[ { "short_name": "AB-PMJAY", "name": "Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)", "ministry": "National Health Authority / Ministry of Health and Family Welfare", "category": "social", "benefit_type": "other", "summary": "Publicly funded health assurance of up to ₹5 lakh per eligible family per year for secondary and tertiary hospitalisation, plus expansion covering all senior citizens aged 70+ irrespective of income.", "benefit_text": "Official NHA / PIB features:\n\n• Health cover up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled hospitals.\n• No family size cap for eligible families under the core scheme (as stated by NHA/PIB).\n• Cashless / paperless treatment process at empanelled public and private hospitals as implemented by States/NHA systems.\n• For seniors 70+: free health cover up to ₹5 lakh per year; seniors already in an AB PM-JAY family get an additional top-up cover up to ₹5 lakh exclusively for themselves; other 70+ seniors get cover up to ₹5 lakh on a family basis (Cabinet/PIB).\n\nAlways verify eligibility and card status on official PM-JAY / NHA channels before hospitalisation.", "eligibility_text": "Core AB PM-JAY:\n• Families identified from SECC 2011 on published deprivation criteria (rural) and occupational criteria (urban), plus RSBY families not in SECC as stated by NHA/PIB.\n• States may expand using own databases but should cover SECC-eligible households.\n• Scheme is entitlement-based; beneficiary verification / e-card issuance is done through official processes rather than a universal open “apply like a loan” form.\n\nSenior citizens 70+ (expansion from Oct 2024 as per PIB):\n• All persons aged 70 years and above irrespective of income/socio-economic status.\n• Those already under CGHS / ECHS / Ayushman CAPF may choose existing scheme or AB PM-JAY as clarified by Cabinet/PIB.\n• Private insurance / ESIC beneficiaries remain eligible for AB PM-JAY as per the same clarification.\n\nUse the official “Am I Eligible” / beneficiary services on pmjay.gov.in / NHA apps — do not trust unofficial paid agents.", "how_to_apply": "1. Check eligibility on the official PM-JAY website / Ayushman App / beneficiary services (pmjay.gov.in / NHA channels).\n2. Complete beneficiary verification and obtain Ayushman card / Vay Vandana card as applicable at empanelled hospital kiosks, Common Service Centres, or official app/portal flows.\n3. For treatment, visit an empanelled hospital and use the Ayushman process (PM Arogya Mitra / hospital BIS) — do not pay agents for “registration”.\n4. For grievances, use official NHA / State Health Agency grievance channels listed on pmjay.gov.in.", "about_text": "Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is implemented under the National Health Authority.\n\nOfficial NHA / PIB descriptions state it provides health cover of up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation to eligible vulnerable families (about 12 crore families / bottom ~40% as described in government releases).\n\nBeneficiary identification for the core scheme is based on SECC 2011 deprivation and occupational criteria (rural/urban), and includes families covered under RSBY but missing from SECC as published. States may also use additional state databases while covering SECC-eligible families.\n\nIn September/October 2024, the Government expanded AB PM-JAY to all senior citizens aged 70 years and above irrespective of socio-economic status (Ayushman Vay Vandana).", "apply_url": "https://pmjay.gov.in/", "official_pdf_url": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2024/sep/doc2024923400001.pdf", "source_urls": [ "https://pmjay.gov.in/", "https://www.pib.gov.in/Pressreleaseshare.aspx?PRID=2053883", "https://www.pib.gov.in/PressReleasePage.aspx?PRID=2203007", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2024/sep/doc2024923400001.pdf" ], "faqs": [ { "q": "What is the cover amount?", "a": "Official NHA/PIB materials state health cover of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation." }, { "q": "Are all senior citizens 70+ covered?", "a": "Cabinet/PIB state expansion of AB PM-JAY to all senior citizens aged 70 years and above irrespective of socio-economic status (with card/top-up rules as published)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "AHIDF", "name": "Animal Husbandry Infrastructure Development Fund (AHIDF)", "ministry": "Department of Animal Husbandry and Dairying", "category": "agriculture", "benefit_type": "loan", "summary": "Central financing facility offering interest subvention on bank/NCDC loans for eligible dairy, meat, feed, breeding, veterinary manufacturing, waste-to-wealth and primary wool processing infrastructure projects.", "benefit_text": "From DAHD AHIDF page / Implementation Guidelines:\n\n• Eligible activities include: dairy processing & value addition; meat processing & value addition; animal feed plant; breed improvement technology & breed multiplication farm; veterinary vaccine/drugs manufacturing; animal waste to wealth management; and primary wool processing infrastructure (as listed on the current DAHD page).\n• Interest subvention: 3% for eligible entities (DAHD pays subvention to the lending bank; not available if the borrower is a repayment defaulter / NPA as per guidelines).\n• Loan quantum: up to 90% of estimated/actual project cost; beneficiary contribution typically 10% for Micro & Small (MSME ceilings) and up to 15% for Medium enterprises as stated in guidelines.\n• Credit guarantee features for eligible MSME projects as described in guidelines (including CGTMSE options referenced).\n\nBank appraisal and Project Approval/Sanctioning Committee processes apply for interest subvention approval.", "eligibility_text": "Eligible entities (DAHD / guidelines):\n• Individual entrepreneurs\n• Private companies\n• MSMEs\n• Farmer Producer Organizations (FPOs)\n• Section 8 companies\n• Dairy cooperatives (as listed on the current DAHD AHIDF page / addenda)\n\nProjects must fall under eligible activity list and be viable with required statutory clearances. Interest subvention is not allowed for land purchase, working capital (except as limited in guidelines), etc. as restricted in the guidelines.", "how_to_apply": "1. Prepare a viable DPR for an eligible activity.\n2. Apply for term loan with a scheduled bank / NCDC (and use the official AHIDF apply link on dahd.gov.in / Udyami Mitra flow as currently enabled).\n3. Seek interest subvention approval through DAHD Project Approval / Sanctioning Committee after bank sanction.\n4. Comply with repayment to retain subvention in subsequent years.\n\nDAHD hub: https://dahd.gov.in/schemes/programmes/ahidf", "about_text": "AHIDF incentivises investment in animal husbandry infrastructure. DAHD states the fund continues as a component under Infrastructure Development Fund (IDF), subsuming DIDF, with revised outlay of ₹29,110.25 crore up to FY 2025-26 (till 31.03.2026).\n\nOfficial page: https://dahd.gov.in/schemes/programmes/ahidf", "apply_url": "https://dahd.gov.in/schemes/programmes/ahidf", "official_pdf_url": "https://nddb.coop/sites/default/files/pdfs/AHIDF_Guidelines_2_0.pdf", "source_urls": [ "https://dahd.gov.in/schemes/programmes/ahidf", "https://nddb.coop/sites/default/files/pdfs/AHIDF_Guidelines_2_0.pdf" ], "faqs": [ { "q": "What interest subvention is offered?", "a": "Official AHIDF guidelines state 3% interest subvention for eligible entities, paid by DAHD to the lending bank (subject to non-default conditions)." }, { "q": "Till when is the continued AHIDF outlay indicated?", "a": "DAHD page states revised outlay up to FY 2025-26 till 31.03.2026 — confirm live status on dahd.gov.in before applying." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "APY", "name": "Atal Pension Yojana (APY)", "ministry": "Department of Financial Services / administered by PFRDA under NPS architecture", "category": "social", "benefit_type": "other", "summary": "Voluntary government-backed pension scheme for citizens (especially unorganised sector) offering a guaranteed minimum pension of ₹1,000 to ₹5,000 per month after age 60, based on contribution and age at joining.", "benefit_text": "From official APY scheme details / FAQ / subscriber brochure:\n\n• Choice of guaranteed minimum monthly pension after age 60: ₹1,000 / ₹2,000 / ₹3,000 / ₹4,000 / ₹5,000.\n• Pension continues for life of the subscriber; spouse pension and return of corpus to nominee norms are described in official FAQs.\n• Contributions are age- and pension-amount linked (contribution chart published by CRA).\n• Enrolment through banks / post offices and digital onboarding channels provided by banks.\n\nHistorical co-contribution by Central Government for early joiners (FY 2015-16 to 2019-20) is described in older scheme documents and is not an ongoing universal co-contribution for new joiners today — confirm current contribution rules with the bank/PoP.", "eligibility_text": "From official APY subscriber brochure / FAQs:\n\n• Citizen of India.\n• Age between 18 and 40 years at joining.\n• Must have a savings bank / post office savings account with auto-debit facility for contributions.\n• Nomination and spouse details are mandatory while opening the account.\n• From 1 October 2022, any citizen who is or has been an income-tax payer under the Income Tax Act, 1961 shall not be eligible to join APY (as stated in the official subscriber brochure).\n\nMinimum contribution period is linked to joining age (minimum 20 years of contribution path as described in scheme materials).", "how_to_apply": "1. Visit a bank branch / post office that offers APY, or use the bank’s digital APY onboarding if available.\n2. Fill the APY account opening form, choose pension amount, provide nominee and spouse details.\n3. Ensure savings account has sufficient balance for auto-debit of contributions.\n4. After activation, use CRA / bank channels to view PRAN / statements as guided on npscra / PFRDA sites.\n\nOfficial information hubs: https://www.npscra.proteantech.in/ and https://www.pfrda.org.in/", "about_text": "Atal Pension Yojana (APY) is a Government of India scheme administered by PFRDA using the National Pension System institutional architecture.\n\nOfficial scheme details / subscriber brochure (Protean CRA / PFRDA ecosystem) describe a defined minimum pension guaranteed by the Government after the subscriber turns 60, depending on the contribution level chosen and age of joining.", "apply_url": "https://www.npscra.proteantech.in/scheme-details.php", "official_pdf_url": "https://www.npscra.proteantech.in/nsdl/scheme-details/APY_Scheme_Details.pdf", "source_urls": [ "https://www.npscra.proteantech.in/scheme-details.php", "https://www.npscra.proteantech.in/nsdl/scheme-details/APY_Scheme_Details.pdf", "https://npscra.nsdl.co.in/nsdl/scheme-details/APY_Subscriber_Information_Brochure_English.pdf", "https://npscra.nsdl.co.in/nsdl/faq/Final_APY_FAQs_English_18.10.2023.pdf" ], "faqs": [ { "q": "What pension amounts are guaranteed?", "a": "Official materials list guaranteed minimum pensions of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 per month after age 60, based on contribution choice." }, { "q": "Can income-tax payers join APY?", "a": "Official subscriber brochure states that from 1 October 2022, a citizen who is or has been an income-tax payer is not eligible to join APY." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "CGTMSE", "name": "Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE / CGS-I)", "ministry": "Ministry of Micro, Small and Medium Enterprises (implemented by CGTMSE with SIDBI)", "category": "business", "benefit_type": "guarantee", "summary": "Credit guarantee cover for Member Lending Institutions on eligible collateral-light / collateral-free credit to Micro and Small Enterprises, so MSEs can access bank credit more easily.", "benefit_text": "From the official CGTMSE CGS-I Scheme Document (updated 01.04.2025):\n\n• Guarantee cover is available for eligible fund-based and/or non-fund-based credit facilities extended by MLIs to a single eligible MSE borrower.\n• Maximum guarantee coverage limit for a borrower is capped at ₹10 crore (overall), with MLI-category wise facility ceilings stated in the scheme document (for example, up to ₹10 crore for public/private/foreign banks and select FIs; lower caps for SFBs/RRBs/cooperative banks and MFIs as listed).\n• Coverage is designed for facilities without collateral / third-party guarantee; a hybrid / partial-collateral model is also described for the unsecured portion.\n• Guarantee fee / Annual Guarantee Fee structure is prescribed by CGTMSE and paid by the MLI as per circulars.\n\nExact cover percentage, fee and claim process depend on current CGTMSE circulars — always confirm on www.cgtmse.in.", "eligibility_text": "From official CGTMSE CGS-I document:\n\n• Eligible borrower: new or existing Micro and Small Enterprise as defined under the MSMED Act, 2006, obtaining credit from an MLI without (or with partial) collateral as per scheme models.\n• Credit facility must be extended by a Member Lending Institution that has an agreement with the Trust.\n• Activity and facility must fit CGTMSE’s eligible credit definitions (term loan and/or working capital and eligible non-fund based facilities as listed).\n\nFinal loan sanction is by the bank/MLI. CGTMSE guarantee is a lender-side cover, not a direct citizen grant.", "how_to_apply": "1. Approach a bank / MLI that participates in CGTMSE for an MSE term loan / working capital (or eligible non-fund based facility).\n2. Complete the lender’s KYC, project and credit appraisal process.\n3. If the lender opts for CGTMSE cover, the MLI applies for guarantee on the CGTMSE portal — the borrower does not file a separate public “CGTMSE application form” as the primary route.\n4. Track sanction and disbursement with the same lending institution.\n\nOfficial scheme documents and circulars: www.cgtmse.in", "about_text": "The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) implements the Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGS-I).\n\nOfficial CGTMSE Scheme Document (updated as on 01.04.2025) states the Trust provides guarantees for credit facilities extended by Member Lending Institutions (MLIs) to eligible Micro and Small Enterprise borrowers.\n\nBorrowers do not apply to CGTMSE for a “guarantee certificate” as end-users. They approach an MLI for an MSE credit facility; the MLI may seek CGTMSE guarantee cover as per scheme rules.", "apply_url": "https://www.cgtmse.in/", "official_pdf_url": "https://www.cgtmse.in/Default/ViewFile/?id=1743176302611_CGTMSE+-+Scheme+Document+CGS+I_updated+as+on+Apr+1+2025.pdf&path=Page", "source_urls": [ "https://www.cgtmse.in/", "https://www.cgtmse.in/Default/ViewFile/?id=1743176302611_CGTMSE+-+Scheme+Document+CGS+I_updated+as+on+Apr+1+2025.pdf&path=Page", "https://msme.gov.in/" ], "faqs": [ { "q": "Do I apply on cgtmse.in as a borrower?", "a": "CGTMSE primarily covers MLIs. Borrowers typically approach a participating bank/MLI for MSE credit; the MLI seeks guarantee cover." }, { "q": "What is the maximum guarantee coverage limit?", "a": "The official CGS-I document updated 01.04.2025 states a maximum guarantee coverage cap of ₹10 crore per eligible borrower (subject to MLI-category facility ceilings in the same document)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "DAY-NRLM", "name": "Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM / Aajeevika)", "ministry": "Ministry of Rural Development", "category": "business", "benefit_type": "loan", "summary": "Flagship rural livelihoods mission organising rural poor women into SHGs, providing revolving fund / CIF support, bank linkage, and interest subvention on eligible SHG credit.", "benefit_text": "From RBI Master Circular on DAY-NRLM (key features):\n\n• Revolving Fund (RF) corpus support typically ₹20,000–₹30,000 per eligible SHG (after minimum existence / Panchasutras compliance; SHGs that already received RF earlier are not re-eligible).\n• Community Investment Support Fund (CIF) routed through federations for loans to SHGs / collective activities.\n• No capital subsidy is sanctioned to any SHG under DAY-NRLM (as stated in the Master Circular).\n• Bank linkage: cash credit / term loans in multiple doses; illustrative minimum CCL ₹6 lakh over 3 years with yearly drawing power escalation as advised to banks.\n• Collateral: no collateral/margin for SHG loans up to ₹10 lakh; for above ₹10 lakh up to ₹20 lakh — no collateral (CGFMU coverage) with margin not exceeding 10% of the amount exceeding ₹10 lakh as stated.\n• Interest subvention for women SHGs (Annex II): banks extend credit at 7% p.a. for loans up to ₹3 lakh with bank subvention at 4.5% p.a. during FY 2025-26 as specified in the circular text captured for that year — confirm the latest Master Circular annex for the current FY.\n• Individual loans to matured SHG members (upto ₹10 lakh) and Mudra pathway (upto ₹1 lakh for one woman per SHG if otherwise eligible) as advised to banks.", "eligibility_text": "Primarily rural poor households mobilised into women SHGs (10–20 members; special groups may be smaller / include men in disability/elder/transgender special categories as stated).\n\nFor bank loans, SHGs should generally be in active existence for at least 6 months, practise Panchasutras, and meet NABARD grading norms (defunct SHGs may qualify after revival + 3 months activity).\n\nJoining is through the State Rural Livelihood Mission / community cadre process in the village — not a single national “loan form” without SHG membership.", "how_to_apply": "1. Contact the local DAY-NRLM / SRLM community resource person / Gram Panchayat facilitation to join or form an SHG.\n2. Practise regular savings, meetings and books (Panchasutras).\n3. Seek RF/CIF through the Mission federation route after eligibility.\n4. Apply for SHG bank linkage via the bank / DAY-NRLM bank linkage portal processes (https://daynrlmbl.aajeevika.gov.in/).\n\nMission site: https://aajeevika.gov.in/", "about_text": "DAY-NRLM (earlier NRLM / Aajeevika; renamed March 2016) is MoRD’s flagship programme to reduce rural poverty by building institutions of the poor—particularly women SHGs—and enabling access to finance and livelihoods.\n\nRBI Master Circular on DAY-NRLM consolidates banking instructions for SHG bank linkage. Citizen/mission portal: https://aajeevika.gov.in/", "apply_url": "https://aajeevika.gov.in/", "official_pdf_url": null, "source_urls": [ "https://aajeevika.gov.in/", "https://daynrlmbl.aajeevika.gov.in/", "https://rbi.org.in/scripts/BS_ViewMasCirculardetails.aspx?id=12806" ], "faqs": [ { "q": "Is there capital subsidy for SHGs under DAY-NRLM?", "a": "RBI Master Circular states no capital subsidy would be sanctioned to any SHG under DAY-NRLM; support is via RF/CIF and bank linkage/interest subvention." }, { "q": "What is the collateral-free SHG loan limit?", "a": "Master Circular: no collateral up to ₹10 lakh; above ₹10 lakh up to ₹20 lakh also without collateral (with CGFMU cover and limited margin rules as stated)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "DAY-NULM", "name": "Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)", "ministry": "Ministry of Housing and Urban Affairs", "category": "business", "benefit_type": "loan", "summary": "Urban livelihoods mission for the urban poor: SHG mobilisation, skill training & placement, interest-subsidised self-employment loans, shelters for the homeless, and street-vendor support via Urban Local Bodies.", "benefit_text": "From official DAY-NULM mission materials, FAQ and RBI SEP circular:\n\n• Social Mobilisation & Institutional Development (SMID): one-time Revolving Fund — ₹10,000 per eligible urban-poor SHG and ₹50,000 per registered Area Level Federation (ALF) that has not availed RF earlier (nulm.gov.in FAQ).\n• Self Employment Programme (SEP): interest subsidy on bank loans for individual/group micro-enterprises and SHG bank linkage — subsidy over and above 7% p.a. (difference between bank rate and 7%); additional 3% interest subvention for Women SHGs with timely repayment (RBI / mission documents).\n• SEP-I (RBI norms): individual micro-enterprise — maximum unit project cost ₹2 lakh; age ≥ 18; no collateral envisaged beyond the micro-enterprise / MSE norms as stated.\n• SEP-G (RBI norms): group — maximum loan ₹2 lakh per member or ₹10 lakh, whichever is lower.\n• EST&P: employment through skill training and placement for urban poor.\n• Shelter for Urban Homeless (SUH) and Support to Urban Street Vendors (SUSV) components as described on nulm.gov.in.\n\nInterest subsidy is subject to timely repayment and ULB/bank certification.", "eligibility_text": "Urban poor individuals and groups identified/sponsored through the Urban Local Body (ULB) under DAY-NULM components.\n\nSHG Revolving Fund (FAQ): SHG functional for 6 months, ≥ 70% members urban poor, minimum ≥ 10 members, and has not availed RF earlier. (SMID guideline PDFs have also described a shorter functional period in places — confirm the live ULB checklist.)\n\nSEP: underemployed/unemployed urban poor (including street vendors/hawkers as covered in SEP guidelines); banks/ULB due diligence applies.\n\nCoverage is through cities/towns implementing DAY-NULM via States/ULBs — not a pan-India online cash grant.", "how_to_apply": "1. Contact your Urban Local Body / City Mission Management Unit (DAY-NULM) or City Livelihoods Centre.\n2. For SHG/RF: form or join an urban-poor SHG meeting SMID norms; apply for RF through the ULB.\n3. For SEP loan: submit intent/application to ULB (or bank under PMMY-linked route as allowed); complete Task Force screening and bank documentation.\n4. For skill training (EST&P): enrol via ULB / approved training providers as notified locally.\n\nPortal / MIS: https://nulm.gov.in/", "about_text": "DAY-NULM aims to reduce poverty and vulnerability of urban poor households by enabling access to self-employment and skilled wage employment, building grassroots institutions of the poor, providing shelters for the urban homeless, and supporting urban street vendors.\n\nOfficial portal: https://nulm.gov.in/", "apply_url": "https://nulm.gov.in/", "official_pdf_url": "https://nulm.gov.in/PDF/NULM_Mission/NULM_mission_document.pdf", "source_urls": [ "https://nulm.gov.in/", "https://nulm.gov.in/FAQs.aspx", "https://nulm.gov.in/PDF/NULM_Mission/NULM_mission_document.pdf", "https://www.rbi.org.in/commonperson/english/scripts/Notification.aspx?Id=3009" ], "faqs": [ { "q": "What interest subsidy does SEP offer?", "a": "Official RBI/DAY-NULM SEP materials: interest subsidy over and above 7% p.a. on eligible bank loans (difference between bank rate and 7%), with an extra 3% for Women SHGs that repay on time." }, { "q": "How much is the SHG Revolving Fund?", "a": "nulm.gov.in FAQ: ₹10,000 one-time for an eligible urban-poor SHG; ₹50,000 for a registered ALF." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "JJM", "name": "Jal Jeevan Mission (JJM / Har Ghar Jal)", "ministry": "Ministry of Jal Shakti, Department of Drinking Water and Sanitation", "category": "social", "benefit_type": "other", "summary": "Centrally led mission (with States) to provide Functional Household Tap Connections (FHTC) delivering adequate, quality drinking water on a regular basis to rural households.", "benefit_text": "Primary intended benefit:\n• Piped drinking water through a household tap connection meeting FHTC functionality standards (quantity ≥ 55 lpcd, quality BIS:10500, regular supply) as defined in official JJM materials.\n\nCommunity contribution / user charges may apply as per State / village arrangements and JJM clarifications on community contribution. Schools and Anganwadis are also prioritised in mission planning as described in public mission materials.\n\nThis is infrastructure service delivery — not a fixed per-household cash subsidy credited like DBT income support.", "eligibility_text": "Rural households in villages covered by State JJM implementation plans. Connections are rolled out through village water supply schemes sanctioned/implemented by the State Public Health Engineering / Rural Water Supply department with community institutions.\n\nThere is no universal “first-come online cash grant” form; inclusion depends on village scheme progress, habitation coverage and local survey/work orders.\n\nCheck status on the official JJM dashboard / State rural water portals and with Gram Panchayat / VWSC.", "how_to_apply": "1. Contact Gram Panchayat / Village Water & Sanitation Committee (VWSC) / local PHE-RWS office for FHTC request status in your village.\n2. Provide residence / household details as demanded for the village survey / work order.\n3. Track village scheme progress on https://jaljeevanmission.gov.in/ and State dashboards.\n4. For service complaints after connection, use State helplines / channels published by the mission (e.g. commonly publicised drinking-water complaint numbers — confirm the live number for your State).\n\nRead JJM 2.0 Operational Guidelines from the official guidelines page.", "about_text": "Jal Jeevan Mission aims to provide every rural household a Functional Household Tap Connection (FHTC). Official DDWS communications define functionality as a household tap providing water in adequate quantity (at least 55 lpcd), of prescribed quality (BIS:10500), on a regular long-term basis.\n\nOperational Guidelines of Jal Jeevan Mission 2.0 are published on the mission portal (May/June 2026 listings on jaljeevanmission.gov.in/guidelines). Implementation is through States/UTs and village institutions (e.g. VWSC / Gram Panchayat), not a direct cash transfer product.", "apply_url": "https://jaljeevanmission.gov.in/", "official_pdf_url": null, "source_urls": [ "https://jaljeevanmission.gov.in/", "https://jaljeevanmission.gov.in/guidelines", "https://master-jalshakti-ddws.digifootprint.gov.in/static/uploads/2024/02/Implementation_of_Jal_Jeevan_Mission_OrdersNotifications_23_06_2022-1.pdf" ], "faqs": [ { "q": "What is an FHTC?", "a": "Official JJM materials define a Functional Household Tap Connection as a household tap providing at least 55 lpcd of BIS:10500 quality water on a regular basis." }, { "q": "Can I apply online for a personal cash subsidy?", "a": "JJM is a rural water-supply mission implemented through State/village schemes. Households are covered via local scheme execution — not a standalone personal cash-subsidy application like some DBT schemes." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "JSSK", "name": "Janani Shishu Suraksha Karyakram (JSSK)", "ministry": "Ministry of Health and Family Welfare (National Health Mission)", "category": "social", "benefit_type": "other", "summary": "NHM initiative for zero out-of-pocket expenditure: free delivery (including C-section), drugs, diagnostics, diet, blood and transport for pregnant women in public facilities, and free care for sick infants up to one year.", "benefit_text": "Free entitlements for pregnant women (NHM JSSK page / PIB):\n• Free and cashless delivery, including C-section\n• Free drugs and consumables; free diagnostics; free blood where required\n• Free diet during stay (NHM/PIB commonly state up to 3 days for normal delivery and 7 days for C-section)\n• Exemption from user charges\n• Free transport from home to facility, between facilities on referral, and drop-back home (NHM list also references drop-back after 48 hrs stay)\n\nFree entitlements for sick newborns/infants (expanded to sick infants up to one year):\n• Free treatment, drugs, diagnostics, blood; exemption from user charges; free transport home↔facility and referral, and drop-back\n\nJSSK is service entitlement in public facilities — not a cash DBT like JSY (the two can apply together).", "eligibility_text": "Pregnant women accessing government/public health institutions for delivery and related antenatal/postnatal complications as covered under JSSK.\n\nSick infants up to one year of age accessing public health institutions for treatment.\n\nOperational across States/UTs under NHM; exact facility readiness (diet kitchens, blood banks, ambulances) varies by institution — ask ASHA / facility JSSK helpdesk.", "how_to_apply": "1. Register pregnancy and plan delivery at a government facility (SC/PHC/CHC/FRU/district hospital as appropriate).\n2. Use free referral transport (108/102 or State EMS as operational) — do not pay unofficial agents for “JSSK seats”.\n3. At the facility, insist on the published free entitlements (drugs, diagnostics, diet, blood, no user charges).\n4. For a sick infant under one year, seek care at the public facility under the same free-entitlement framework.\n\nNHM: https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150", "about_text": "JSSK was launched on 01.06.2011 to eliminate out-of-pocket expenses for pregnant women delivering in public health institutions and for sick infants. NHM materials state that in 2014 entitlements were extended to antenatal and postnatal complications and to sick infants up to one year of age.\n\nOfficial NHM pages: https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150 and https://nhm.gov.in/index1.php?lang=1&level=3&lid=308&sublinkid=842", "apply_url": "https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150", "official_pdf_url": "https://nhm.gov.in/New_Updates_2018/NHM_Components/RMNCHA/MH/Guidelines/JSSK_Final_English.pdf", "source_urls": [ "https://nhm.gov.in/index4.php?lang=1&level=0&lid=171&linkid=150", "https://nhm.gov.in/index1.php?lang=1&level=3&lid=308&sublinkid=842", "https://www.pib.gov.in/newsite/PrintRelease.aspx?relid=200174" ], "faqs": [ { "q": "Is C-section free under JSSK?", "a": "Yes. Official NHM entitlements include free and cashless delivery including C-section in public health institutions." }, { "q": "Till what age are sick infants covered?", "a": "NHM materials state free entitlements for sick newborns were expanded to cover sick infants up to one year of age." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "JSY", "name": "Janani Suraksha Yojana (JSY)", "ministry": "Ministry of Health and Family Welfare (National Health Mission)", "category": "social", "benefit_type": "subsidy", "summary": "NHM safe-motherhood scheme providing conditional cash assistance to eligible pregnant women for institutional delivery, with higher packages in Low Performing States and ASHA incentives for facilitation.", "benefit_text": "Mother’s cash package for institutional delivery (NHM JSY page / PIB):\n\n• Low Performing States (LPS) — rural: ₹1,400; urban: ₹1,000.\n• High Performing States (HPS) — rural: ₹700; urban: ₹600.\n\nASHA facilitation packages are listed separately on the NHM page (e.g. ₹600 rural / ₹400 urban components as published).\n\nHome delivery: BPL pregnant women who deliver at home are entitled to ₹500 per delivery (NHM/PIB), subject to the scheme’s current conditions.\n\nLPS listed on NHM: Uttar Pradesh, Uttarakhand, Bihar, Jharkhand, Madhya Pradesh, Chhattisgarh, Assam, Rajasthan, Odisha, and Jammu & Kashmir; other States/UTs are HPS.\n\nMay be claimed in addition to PMMVY where both apply — confirm with ASHA / facility.", "eligibility_text": "NHM eligibility for cash assistance:\n\n• LPS: all pregnant women delivering in government health centres (SC/PHC/CHC/FRU/general wards of district or state hospitals).\n• HPS: BPL / SC / ST women delivering in such government facilities.\n• LPS & HPS: BPL / SC / ST women delivering in accredited private institutions.\n\nConditionalities on mother’s age and parity for institutional delivery in HPS (and for home deliveries) were removed by MSG decision communicated in 2013 — eligible women may receive assistance regardless of age and number of children as per that order; confirm any State-specific operational instructions with the facility / ASHA.", "how_to_apply": "1. Register pregnancy at the Anganwadi / Sub-Centre / PHC and obtain a Mother & Child Protection / JSY card as issued locally.\n2. Plan institutional delivery at a government facility (or accredited private facility if eligible).\n3. ASHA facilitates ANC and referral; claim cash assistance at the facility as per State NHM process (often paid before discharge).\n4. Keep bank/Aadhaar details ready where DBT is used.\n\nNHM: https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841", "about_text": "Janani Suraksha Yojana is a safe motherhood intervention under the National Health Mission, launched on 12 April 2005. It integrates cash assistance with delivery and post-delivery care to reduce maternal and neonatal mortality by promoting institutional delivery among poor pregnant women, with special focus on Low Performing States (LPS).\n\nOfficial NHM page: https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841", "apply_url": "https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841", "official_pdf_url": "https://nhm.gov.in/images/pdf/programmes/jsy/imp-govt-orders/JSY_removal_of_conditionalities_13.5.13.pdf", "source_urls": [ "https://nhm.gov.in/index1.php?lang=1&level=3&lid=309&sublinkid=841", "https://pib.gov.in/newsite/PrintRelease.aspx?relid=106950", "https://nhm.gov.in/images/pdf/programmes/jsy/imp-govt-orders/JSY_removal_of_conditionalities_13.5.13.pdf" ], "faqs": [ { "q": "How much does a mother get in LPS rural areas?", "a": "Official NHM JSY table: mother’s package ₹1,400 for institutional delivery in rural areas of Low Performing States." }, { "q": "Who is eligible in High Performing States?", "a": "NHM: BPL/SC/ST women delivering in government health centres (and BPL/SC/ST women in accredited private institutions)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "KVP", "name": "Kisan Vikas Patra (KVP)", "ministry": "Ministry of Finance (National Savings; Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Government small-savings scheme where the deposit doubles on maturity; minimum ₹1,000 (multiples of ₹100), no maximum limit; maturity period depends on the interest rate applicable at account opening.", "benefit_text": "From NSI / KVP Scheme, 2019:\n\n• Deposit doubles on maturity.\n• Minimum ₹1,000 and multiples of ₹100; no maximum deposit limit; any number of accounts allowed.\n• Maturity period is determined by the rate of interest applicable at the time of opening the account (scheme text / amendments revise the doubling period when rates change) — confirm the current doubling period on NSI / India Post before investing.\n• Premature closure allowed after 2½ years at amounts prescribed in the applicable premature-closure table.\n• Transferable between persons (if eligible) and between Post Offices as stated by NSI; pledging permitted under rules.\n\nInterest / maturity period notifications change over time — do not rely on outdated doubling-period tables from old circulars.", "eligibility_text": "From NSI:\n\n• Single holder: adult for self or on behalf of a minor; or minor aged 10+.\n• Joint A / Joint B accounts by up to three adults (payable jointly/survivor or either/survivor as typed).\n\nOpen at Post Offices and authorised banks with KYC.", "how_to_apply": "1. Visit Post Office or authorised bank with KYC.\n2. Open KVP account with deposit ≥ ₹1,000.\n3. Note the maturity period printed/advised for the prevailing notified rate.\n4. For premature exit after 2½ years, apply as per Form rules and payable table.\n\nNSI: https://www.nsiindia.gov.in/ (Kisan Vikas Patra Scheme).", "about_text": "Kisan Vikas Patra Scheme, 2019 (G.S.R. 920(E), as amended) is operated through Post Offices and authorised banks. Despite the name, it is a general small-savings product — not limited to farmers.\n\nOfficial NSI page: money doubles on maturity; encashment possible after 2½ years at prescribed premature tables.", "apply_url": "https://www.nsiindia.gov.in/", "official_pdf_url": null, "source_urls": [ "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=56", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=170" ], "faqs": [ { "q": "Does the money double?", "a": "Yes. Official NSI/scheme materials state deposits double on maturity; the time to double depends on the interest rate applicable when the account is opened." }, { "q": "Can only farmers invest?", "a": "No. NSI describes standard single/joint account opening for adults/minors at Post Offices and authorised banks — it is not restricted to farmers despite the name." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "MISS-KCC", "name": "Modified Interest Subvention Scheme for KCC short-term agri loans (MISS)", "ministry": "Department of Financial Services / Ministry of Agriculture (implemented via RBI circular to banks; claims on Kisan Rin Portal)", "category": "agriculture", "benefit_type": "loan", "summary": "GoI interest subvention enabling concessional short-term crop and allied-activity loans through Kisan Credit Card — for FY 2025-26, lending at 7% with prompt-repayment effective rate of 4% within prescribed limits.", "benefit_text": "From RBI circular for FY 2025-26:\n\n• Short-term crop loans and short-term allied activity loans (animal husbandry, dairy, fisheries, bee keeping, etc.) through KCC up to an overall limit of ₹3 lakh at concessional lending rate of 7% p.a.\n• Interest subvention to lending institutions: 1.50% p.a.\n• Additional prompt repayment incentive: 3% p.a. for timely repayment within the prescribed one-year window — implying effective interest @ 4% p.a. for prompt payers.\n• Allied-activities-only farmers: maximum sub-limit ₹2 lakh within the overall ₹3 lakh benefit cap; crop loan component takes priority.\n• Additional up to six months post-harvest interest subvention for eligible SMF warehouse-receipt pledges in WDRA-accredited warehouses, at the same rate as crop loan from pledge date.\n• Natural calamity restructuring relief as detailed in the circular (including severe calamity HLC route).\n\nAadhaar seeding/authentication is mandatory for availing benefits.", "eligibility_text": "Farmers availing eligible short-term KCC loans from notified lending institutions (PSBs; private banks’ rural/semi-urban branches; SFBs; computerized PACS ceded with SCBs) as listed in the circular.\n\n• Overall MISS benefit limit ₹3 lakh per farmer per annum across multiple KCCs, but a specific land parcel can receive MISS through only one KCC (highest sanctioned amount rule if duplicates).\n• Prompt repayment incentive does not accrue if agri loans are repaid after one year of availing.\n\nBank credit appraisal and KCC sanction remain prerequisites — MISS is an interest benefit on eligible outstanding, not a separate grant.", "how_to_apply": "1. Approach a participating bank / PACS for a Kisan Credit Card / short-term agri limit with Aadhaar e-KYC.\n2. Ensure land / crop / allied activity details are correctly captured for Kisan Rin Portal (KRP) reporting.\n3. Utilise and repay within the due date / one-year window to earn 7% concessional rate and 4% effective rate with prompt repayment incentive.\n4. For warehouse-receipt extension benefit, pledge produce in WDRA-accredited warehouses as per bank process.\n\nCircular: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0", "about_text": "Modified Interest Subvention Scheme (MISS) supports short-term loans for agriculture and allied activities through Kisan Credit Card. RBI circulates GoI-approved terms to banks each year.\n\nFor FY 2025-26, RBI circular FIDD.CO.FSD.BC.No.10/05.02.001/2025-26 dated 13 January 2026 conveys continuation of MISS with specified rates and limits.", "apply_url": "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0", "official_pdf_url": null, "source_urls": [ "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13270&Mode=0", "https://www.rbi.org.in/" ], "faqs": [ { "q": "What interest does a prompt-paying farmer pay in FY 2025-26?", "a": "RBI circular states concessional lending at 7%, and with 3% prompt repayment incentive the effective rate is 4% p.a. within the prescribed conditions/limits." }, { "q": "What is the overall limit for MISS benefits?", "a": "Circular sets an overall limit of ₹3 lakh per annum (with ₹2 lakh maximum sub-limit for farmers involved only in allied activities)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "Mudra", "name": "Pradhan Mantri MUDRA Yojana (PMMY)", "ministry": "Department of Financial Services, Ministry of Finance", "category": "business", "benefit_type": "loan", "summary": "Institutional collateral-free credit for non-corporate, non-farm micro enterprises under PMMY, with Shishu, Kishore, Tarun and Tarun Plus categories.", "benefit_text": "As stated by DFS (Ministry of Finance):\n\n• Collateral is not required under PMMY.\n• Loan categories:\n – Shishu: up to ₹50,000\n – Kishore: above ₹50,000 and up to ₹5 lakh\n – Tarun: above ₹5 lakh and up to ₹10 lakh\n – Tarun Plus: above ₹10 lakh and up to ₹20 lakh for entrepreneurs who have availed and successfully repaid previous loans under the Tarun category (w.e.f. 24.10.2024).\n\nExact product terms (interest, tenure, documentation pack) are decided by the Member Lending Institution as per its credit policy. Always confirm the current product sheet with the lender.", "eligibility_text": "Official DFS description focuses on micro enterprises needing institutional collateral-free credit for non-agricultural (including allied agriculture) purposes.\n\nThere is no single universal income ceiling published on the DFS PMMY page. Eligibility is assessed by the Member Lending Institution (bank / NBFC / MFI / SFB / RRB, etc.).\n\nVedica note: final sanction depends on the lender’s appraisal. Use the official portals below and confirm with the branch before applying.", "how_to_apply": "1. Review scheme features on the DFS PMMY page and mudra.org.in.\n2. Approach any Member Lending Institution listed under PMMY, or apply online through www.udyamimitra.in (linked from mudra.org.in).\n3. Submit the application and papers demanded by that lender.\n4. Track sanction and disbursement with the same institution.\n\nVedica does not process MUDRA loans.", "about_text": "Pradhan Mantri MUDRA Yojana (PMMY) was launched on 08.04.2015 with the objective of providing access to institutional collateral-free credit to micro enterprises.\n\nAccording to the Department of Financial Services (DFS), Ministry of Finance, PMMY loans cover non-agricultural purposes, including activities allied to agriculture such as poultry, dairy and beekeeping. Both term loan and working capital requirements can be met.\n\nMUDRA (Micro Units Development & Refinance Agency) classifies these loans under PMMY. Lending is done by Member Lending Institutions such as commercial banks, RRBs, Small Finance Banks, MFIs and NBFCs. Borrowers may approach a lending institution or apply online via the Udyamimitra portal referenced on mudra.org.in.", "apply_url": "https://www.mudra.org.in/", "official_pdf_url": null, "source_urls": [ "https://financialservices.gov.in/pradhan-mantri-mudra-yojana-pmmy", "https://www.mudra.org.in/" ], "faqs": [ { "q": "Is collateral required under PMMY?", "a": "DFS states that collateral is not required under PMMY. Lenders may still follow their credit appraisal norms for other conditions." }, { "q": "What is Tarun Plus?", "a": "DFS lists Tarun Plus as above ₹10 lakh and up to ₹20 lakh for entrepreneurs who availed and successfully repaid previous Tarun-category loans, effective 24.10.2024." }, { "q": "Where is the official guidelines PDF?", "a": "As of verification date, DFS and mudra.org.in publish scheme features on official web pages. No separate master PMMY guidelines PDF was linked on those pages; confirm any forms/PDFs on mudra.org.in before relying on third-party copies." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "NAPS-2", "name": "National Apprenticeship Promotion Scheme-2 (NAPS-2)", "ministry": "Ministry of Skill Development and Entrepreneurship", "category": "education", "benefit_type": "other", "summary": "Central scheme promoting apprenticeship under the Apprentices Act by sharing partial stipend support with apprentices via DBT, plus ecosystem capacity building, implemented on apprenticeshipindia.gov.in.", "benefit_text": "From official NAPS-2 Guidelines:\n\n• Partial stipend support by Government of India limited to 25% of stipend paid, up to a maximum of ₹1,500 per month per apprentice during training.\n• GoI share paid through DBT to the apprentice’s bank account after the establishment pays its share (minimum 75%) as per contract.\n• Stipend rates payable by employer follow Rule 11 of the Apprenticeship Rules, 1992 (minimum rates in Annexure-II of guidelines; subject to Gazette revisions).\n• Training in Designated Trades and Optional Trades; durations differ (e.g. DT ordinarily 1 year for ITI pass-outs / 2 years for freshers; OT 6/9/12 months as stated).\n\nNo stipend support under NAPS-2 for Central/State Government Departments and Central/State PSUs/PSBs as stated in guidelines.", "eligibility_text": "From NAPS-2 Guidelines:\n\n• Minimum age 14 years; 18 years for designated trades related to hazardous industries (Apprentices Act).\n• To avail GoI partial stipend support, upper age at registration should be 35 years.\n• Candidate must be engaged as an apprentice under a valid apprenticeship contract with an eligible establishment on the portal.\n• Partial stipend support by Government is restricted to NSQF-aligned courses (NSQF compliance not mandatory for training itself, but required for GoI stipend support).\n\nEstablishments register opportunities and contracts on the apprenticeship portal; candidates apply to posted opportunities.", "how_to_apply": "1. Register as a candidate on https://www.apprenticeshipindia.gov.in/\n2. Apply to apprenticeship opportunities posted by establishments.\n3. After contract approval, undergo training; ensure Aadhaar-seeded bank account for DBT.\n4. Employer pays its stipend share by the 10th of the following month; GoI DBT follows confirmation on the portal.\n\nGuidelines: https://naps-cdn.s3.ap-south-1.amazonaws.com/NAPS+2.0_Guidelines_25-08-2023.pdf", "about_text": "NAPS-2 guidelines (MSDE, 25 August 2023) supersede earlier NAPS guidelines. The scheme promotes apprenticeship training by providing partial stipend support to apprentices engaged under the Apprentices Act, 1961, capacity building, and advocacy.\n\nTarget stated in guidelines: enrol 46 lakh apprentices over FY 2022-23 to FY 2025-26.\n\nPortal: https://www.apprenticeshipindia.gov.in/", "apply_url": "https://www.apprenticeshipindia.gov.in/", "official_pdf_url": "https://naps-cdn.s3.ap-south-1.amazonaws.com/NAPS+2.0_Guidelines_25-08-2023.pdf", "source_urls": [ "https://www.apprenticeshipindia.gov.in/", "https://naps-cdn.s3.ap-south-1.amazonaws.com/NAPS+2.0_Guidelines_25-08-2023.pdf" ], "faqs": [ { "q": "How much stipend support does the Government give?", "a": "NAPS-2 guidelines limit GoI support to 25% of stipend paid, capped at ₹1,500 per month per apprentice, paid by DBT." }, { "q": "What is the age limit for GoI stipend support?", "a": "Guidelines state that to avail partial stipend support, upper age at registration should be 35 years (minimum ages follow the Apprentices Act)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "NPY", "name": "Ni-kshay Poshan Yojana (NPY)", "ministry": "Ministry of Health and Family Welfare (National TB Elimination Programme)", "category": "social", "benefit_type": "subsidy", "summary": "DBT nutritional support for all TB patients notified on Ni-kshay: ₹1,000 per month for the duration of anti-TB treatment (enhanced from ₹500 w.e.f. 01.11.2024).", "benefit_text": "From NTEP scheme circular / current NHM implementation notices:\n\n• Financial incentive for nutritional support for each notified TB patient for the duration of anti-TB treatment.\n• Amount: ₹1,000 per month with effect from 01.11.2024 (earlier ₹500 per month under the 2018 circular).\n• Paid preferably via DBT to an Aadhaar-enabled bank account of the patient (guardian/parent account for paediatric patients, as described in NTEP materials).\n• Some States may continue in-kind food baskets of value not less than the eligible monthly amount, with MoHFW concurrence as per the original circular.\n• MoHFW has also announced related nutrition measures (e.g. energy-dense supplementation for underweight patients and Ni-kshay Mitra household-contact support under PMTBMBA) — those are separate from the core NPY monthly DBT; confirm locally what is active.\n\nNPY is not a wage or insurance payout; it is nutritional support during treatment.", "eligibility_text": "All TB patients notified on Ni-kshay on or after 01.04.2018 (including public and private sector notifications), as stated in the NTEP nutritional-support circular, provided they remain on treatment for the periods for which incentives are due.\n\nMust be registered/notified on the Ni-kshay portal. Contact the treating NTEP facility / STS if notification or bank seeding is incomplete.", "how_to_apply": "1. Ensure TB diagnosis/treatment is notified on Ni-kshay by the public or private provider.\n2. Provide Aadhaar-linked bank account details to the treatment supporter / PHI for DBT.\n3. Continue treatment as prescribed; follow-up examinations may be linked to later instalments as per NTEP practice.\n4. For delays, approach the District TB Officer / Ni-kshay helpdesk channels published locally.\n\nCTD: https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/", "about_text": "Ni-kshay Poshan Yojana provides nutritional support incentives to TB patients notified under the National TB Elimination Programme. Patients must be registered/notified on the Ni-kshay portal. Central TB Division hub: https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/\n\nOriginal scheme circular (2018) set ₹500/month; MoHFW / State NHM materials state the monthly incentive was increased to ₹1,000 from 01.11.2024.", "apply_url": "https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/", "official_pdf_url": "https://tbcindia.mohfw.gov.in/wp-content/uploads/2023/05/6851513623Nutrition-support-DBT-Scheme-details.pdf", "source_urls": [ "https://tbcindia.mohfw.gov.in/ni-kshay-poshan-yojana/", "https://tbcindia.mohfw.gov.in/wp-content/uploads/2023/05/6851513623Nutrition-support-DBT-Scheme-details.pdf", "https://nhm.uk.gov.in/scheme/gramin-bhandaran-yojana/", "https://www.mohfw.gov.in/?q=en%2Fpressrelease-101" ], "faqs": [ { "q": "How much is paid each month now?", "a": "State NHM / MoHFW materials state ₹1,000 per month from 01.11.2024 (earlier ₹500 under the 2018 circular) for the treatment duration." }, { "q": "Are private-sector patients eligible?", "a": "Yes. Official NTEP circular covers all TB patients notified on Ni-kshay, including private-sector notifications." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "NSAP", "name": "National Social Assistance Programme (NSAP)", "ministry": "Ministry of Rural Development", "category": "social", "benefit_type": "other", "summary": "Centrally sponsored social assistance for BPL households: old-age, widow and disability pensions, a one-time family benefit on death of the breadwinner, and Annapurna foodgrain support where pension is not received.", "benefit_text": "Central assistance amounts as stated on nsap.nic.in / recent PIB NSAP materials (States/UTs typically add top-ups):\n\n• IGNOAPS: BPL persons aged 60+ — ₹200/month (60–79) and ₹500/month (80+).\n• IGNWPS: BPL widows — ₹300/month for ages 40–79 and ₹500/month for 80+ (PIB); apply/confirm age band on nsap.nic.in / State portal before applying.\n• IGNDPS: BPL persons with severe/multiple disabilities — ₹300/month (18–79) and ₹500/month (80+) (PIB); disability threshold commonly administered as severe disability (often ≥80% in audit/guideline summaries) — confirm on State/NSAP instructions.\n• NFBS: lump-sum ₹20,000 to a BPL household on death of the primary breadwinner (PIB: deceased aged 18–59; nsap.nic.in text has also referenced up to 64 years historically — confirm the live rule on nsap.nic.in / State).\n• Annapurna: 10 kg food grains per month free of cost to senior citizens eligible for IGNOAPS but not receiving the old-age pension.\n\nCentral amounts are floors; State top-ups vary widely.", "eligibility_text": "Applicant must belong to a BPL household as per criteria prescribed by the Government of India, plus scheme-specific conditions (age, widow status, disability, or death of breadwinner) listed above.\n\nNSAP has State/UT-wise beneficiary ceilings/caps. Listing depends on State implementation and available slots.\n\nNot an automatic entitlement merely from age — BPL identification and State sanction are required.", "how_to_apply": "1. Apply through the State/UT social welfare / rural development channel or Gram Panchayat / municipal ward office as notified locally.\n2. Where enabled, use the SAMBAL mobile app / NSAP-PPS citizen features described on nsap.nic.in to submit and track applications.\n3. Complete Aadhaar seeding / DBT account details as required.\n4. Track pension credit and grievance via State portals and https://nsap.nic.in/", "about_text": "NSAP (introduced 15 August 1995) is implemented by the Ministry of Rural Development across rural and urban areas for persons belonging to households living below the poverty line as identified by the Government of India. It comprises IGNOAPS, IGNWPS, IGNDPS, NFBS and Annapurna.\n\nOfficial portal: https://nsap.nic.in/", "apply_url": "https://nsap.nic.in/", "official_pdf_url": null, "source_urls": [ "https://nsap.nic.in/", "https://nsap.nic.in/circular.do?method=faq", "https://www.pib.gov.in/PressReleasePage.aspx?PRID=2187327" ], "faqs": [ { "q": "What is the central old-age pension?", "a": "Official NSAP/PIB: ₹200 per month for BPL persons aged 60–79 and ₹500 per month from age 80 under IGNOAPS (States may add top-ups)." }, { "q": "What is NFBS?", "a": "National Family Benefit Scheme: ₹20,000 lump-sum to an eligible BPL household on death of the primary breadwinner, subject to age/eligibility rules on nsap.nic.in / State guidelines." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "NSC", "name": "National Savings Certificates (VIII Issue)", "ministry": "Ministry of Finance (National Savings; Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Government small-savings certificate scheme with 5-year maturity, minimum deposit ₹1,000 (multiples of ₹100), no maximum deposit limit, and interest as notified by Government.", "benefit_text": "From official NSI NSC-VIII page / Scheme, 2019:\n\n• Account matures in 5 years from the date of deposit.\n• Minimum deposit ₹1,000 and thereafter in multiples of ₹100; no maximum deposit limit.\n• Interest at rates notified by the Government from time to time (confirm live rate on NSI before investing).\n• Loan facility available by pledging with banks (as stated by NSI).\n• Premature closure only in limited cases allowed under the Scheme rules (e.g. death / court order and other rule-listed exceptions) — not freely encashable like a savings account.\n\nTax treatment (e.g. 80-C eligibility commonly associated with NSC) depends on current Income-tax law — confirm for your case.", "eligibility_text": "From NSI:\n\n• Single holder account: adult for self or on behalf of a minor; or a minor who has attained 10 years.\n• Joint ‘A’ type: up to three adults, payable jointly or to survivor.\n• Joint ‘B’ type: up to three adults, payable to either or survivor.\n\nOpen at Post Offices / authorised banks with KYC.", "how_to_apply": "1. Visit Post Office or authorised bank with KYC.\n2. Fill NSC account opening form and deposit (≥ ₹1,000).\n3. Keep certificates / passbook safe; track maturity date (5 years).\n4. Confirm current interest notification on NSI / India Post.\n\nNSI: https://www.nsiindia.gov.in/ (National Savings Certificate-VIII Issue).", "about_text": "National Savings Certificates (VIII Issue) Scheme, 2019 (G.S.R. 919(E)) governs NSC VIII Issue accounts opened at Post Offices and authorised banks.\n\nOfficial NSI page summarises tenure, deposit rules and account types.", "apply_url": "https://www.nsiindia.gov.in/", "official_pdf_url": null, "source_urls": [ "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=90", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=167" ], "faqs": [ { "q": "What is the maturity period?", "a": "Official NSI materials state the account matures in 5 years." }, { "q": "Is there a maximum deposit?", "a": "NSI states no maximum deposit limit (minimum ₹1,000, then multiples of ₹100)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM SVANidhi", "name": "PM Street Vendor's AtmaNirbhar Nidhi (PM SVANidhi)", "ministry": "Ministry of Housing and Urban Affairs (with DFS for lending facilitation; SIDBI implementing agency support)", "category": "business", "benefit_type": "loan", "summary": "Central Sector micro-credit scheme for urban street vendors: collateral-free working-capital loans in three tranches, interest subsidy, digital incentives, and related support; lending extended through March 2030 under revised guidelines.", "benefit_text": "From revised PM SVANidhi Scheme Guidelines (16.09.2025):\n\n• Collateral-free working capital term loan in three tranches:\n – 1st tranche: up to ₹15,000 (repayable in 12 months)\n – 2nd tranche: up to ₹25,000 (repayable in 18 months)\n – 3rd tranche: up to ₹50,000 (repayable in 36 months)\n• Next tranche after timely/early repayment of the previous tranche.\n• Interest subsidy at 7% per annum (credited to borrower account quarterly when account remains standard as described).\n• Credit guarantee support for Lending Institutions as per scheme/CGTMSE circulars.\n• Digital transaction incentives / cashback framework as described in guidelines (including up to ₹1,200 per year per tranche under the stated digital cashback design).\n• Additional components: Support to Urban Street Vendors (SUSV), capacity building, and (for eligible vendors) credit card facility as separately guided.\n\nConfirm current product terms on the official PMS Portal and with the Lending Institution.", "eligibility_text": "Target beneficiaries are street vendors vending in various city-regions, as stated in revised guidelines.\n\nIdentification / documentation typically involves Certificate of Vending (CoV) / Identity Card / Letter of Recommendation (LoR):\n• In statutory towns: CoV / ID / LoR issued by TVC / ULBs.\n• In census towns / peri-urban areas as described: issuance via Block Development Offices after verification.\n\nVendors holding valid CoV/ID can apply with a preferred Lending Institution on the PMS Portal; LoR rules for those without CoV/ID are detailed in the Loan Operational Guidelines (manual LoRs are not valid — LoR must be via PMS Portal).\n\nLending Institution credit decision remains final.", "how_to_apply": "1. Use the official portal: https://pmsvanidhi.mohua.gov.in/\n2. If you have CoV/ID, apply for the loan with your preferred Lending Institution on the portal.\n3. If LoR is required, obtain digital LoR only through the PMS Portal (not manually).\n4. Complete KYC and papers demanded by the Lending Institution / ULB facilitation channel (CSC / BC / MFI agent as locally enabled).\n5. Track status only on the official portal.\n\nDo not rely on unofficial third-party enrolment apps.", "about_text": "PM SVANidhi is a Central Sector Scheme of MoHUA to support urban street vendors with affordable working-capital credit and related interventions.\n\nRevised Scheme Guidelines (16.09.2025) state that the Cabinet has approved extension of the lending period till 31.03.2030, with servicing of components such as credit guarantee, interest subsidy and digital incentives for longer periods as specified in the guidelines.\n\nApplications and Letter of Recommendation (LoR) flows are handled through the official PMS Portal: https://pmsvanidhi.mohua.gov.in/", "apply_url": "https://pmsvanidhi.mohua.gov.in/", "official_pdf_url": "https://www.cgtmse.in/Default/ViewFile/?id=1767027747558_PM+SVANidhi+Scheme+Guidelines+-+16.9.25%28Annexure+-I%29.pdf&path=Circular", "source_urls": [ "https://pmsvanidhi.mohua.gov.in/", "https://www.cgtmse.in/Default/ViewFile/?id=1767027747558_PM+SVANidhi+Scheme+Guidelines+-+16.9.25%28Annexure+-I%29.pdf&path=Circular", "https://www.cgtmse.in/Default/ViewFile/?id=1767027845598_Loan+Operational+Guidelines+-+16.09.2025%28Annexure+-II%29.pdf&path=Circular" ], "faqs": [ { "q": "What are the revised tranche limits?", "a": "Revised guidelines (16.09.2025) list up to ₹15,000 / ₹25,000 / ₹50,000 for first / second / third tranches respectively." }, { "q": "Till when is lending extended?", "a": "Revised guidelines state lending period extension till 31 March 2030." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM Surya Ghar", "name": "PM Surya Ghar: Muft Bijli Yojana", "ministry": "Ministry of New and Renewable Energy", "category": "social", "benefit_type": "subsidy", "summary": "Central scheme providing Central Financial Assistance (CFA) for residential rooftop solar installations via the national portal, with CFA capped for systems above 3 kW.", "benefit_text": "From the official CFA structure note for PM Surya Ghar (residential households):\n\n• ₹30,000 per kW up to 2 kW.\n• ₹18,000 per kW for additional capacity up to 3 kW.\n• Total subsidy for systems larger than 3 kW capped at ₹78,000.\n\nIllustrative suitable capacity guidance in the same note:\n• Average monthly consumption 0–150 units → about 1–2 kW\n• 150–300 units → about 2–3 kW\n• >300 units → above 3 kW\n\nFor Group Housing Society / RWA common facilities (including EV charging): ₹18,000 per kW up to 500 kW capacity (@ 3 kW per house), inclusive of individual rooftop plants by residents as stated in the CFA note.\n\nCFA is processed through the national portal / DISCOM workflow after installation by registered vendors (as per current MNRE guidelines mode). Confirm live process on pmsuryaghar.gov.in.", "eligibility_text": "Residential consumers installing grid-connected rooftop solar tagged to a residential DISCOM connection, as enabled under MNRE scheme guidelines and State/DISCOM net-metering rules.\n\nInstallations typically on roof/terrace/balcony or elevated structures; Building Integrated PV may also be eligible where guidelines allow. Group Net Metering / Virtual Net Metering may be eligible if approved by the DISCOM (as clarified in related MNRE guideline documents).\n\nExact consumer eligibility, vendor selection and inspection steps follow the national portal + local DISCOM process — do not rely on unofficial agents.", "how_to_apply": "1. Register and apply on https://pmsuryaghar.gov.in/\n2. Select a registered vendor / follow DISCOM steps shown on the portal.\n3. Complete installation, net-metering / commissioning as required by the DISCOM.\n4. CFA / DBT credit follows portal verification — track only on the official portal.\n\nMNRE guideline notices: https://mnre.gov.in/ (PM Surya Ghar guidelines section).", "about_text": "PM Surya Ghar: Muft Bijli Yojana was approved by the Government of India on 29 February 2024 to expand rooftop solar for households. MNRE issues scheme guidelines; residential consumers apply on the National Portal https://pmsuryaghar.gov.in/\n\nOfficial CFA structure note (March 2024) published for the scheme sets household subsidy slabs and capacity guidance linked to average monthly electricity consumption.", "apply_url": "https://pmsuryaghar.gov.in/", "official_pdf_url": "https://pmsg-production-public.s3.ap-south-1.amazonaws.com/CFA_structure20240307.pdf", "source_urls": [ "https://pmsuryaghar.gov.in/", "https://pmsg-production-public.s3.ap-south-1.amazonaws.com/CFA_structure20240307.pdf", "https://mnre.gov.in/en/notice/guidelines-for-pm-surya-ghar-muft-bijli-yojana/" ], "faqs": [ { "q": "What is the maximum CFA for a household?", "a": "Official CFA note caps total subsidy for systems larger than 3 kW at ₹78,000 (with ₹30,000/kW up to 2 kW and ₹18,000/kW for additional capacity up to 3 kW)." }, { "q": "Where do I apply?", "a": "Online applications are submitted on the National Portal https://pmsuryaghar.gov.in/ as stated in the official CFA note." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM Vishwakarma", "name": "PM Vishwakarma", "ministry": "Ministry of Micro, Small and Medium Enterprises (with MSDE for skill components)", "category": "business", "benefit_type": "loan", "summary": "Central Sector scheme for traditional artisans and craftspeople in notified trades: recognition, skill upgradation, toolkit incentive, and collateral-free enterprise development loans with interest subvention.", "benefit_text": "From official PM Vishwakarma guidelines:\n\n• Recognition as Vishwakarma with digital certificate / ID card after multi-step verification.\n• Skill Assessment, Basic Training (~40 hours / 5–7 days) and optional Advanced Training (~120 hours / 15+ days), with stipend of ₹500 per day during training and free board/lodging as stated.\n• Toolkit incentive up to ₹15,000 via e-RUPI / e-vouchers after Skill Assessment.\n• Collateral-free Enterprise Development Loans: first tranche up to ₹1 lakh; second tranche up to ₹2 lakh (second tranche after full repayment of first, not before six months from first disbursement, and other conditions such as standard account + digital adoption or Advanced Training).\n• Concessional interest charged to beneficiary at 5%, with Government interest subvention up to 8% to banks as illustrated in guidelines.\n• Digital transaction incentive of ₹1 per eligible digital transaction (up to 100 eligible transactions monthly) as described.\n\nExact trade list and process steps are in the official guidelines PDF.", "eligibility_text": "From official guidelines:\n\n• Artisan/craftsperson working with hands and tools in one of the scheme’s family-based traditional trades, in the unorganised/informal sector on self-employment basis.\n• Minimum age 18 years on the date of registration.\n• Should be engaged in the concerned trade on registration date and should not have availed loans under similar Central/State self-employment credit schemes (e.g. PMEGP, PM SVANidhi, MUDRA) in the past 5 years from sanction date — with the stated carve-out that MUDRA / SVANidhi beneficiaries who have fully repaid remain eligible.\n• Benefits restricted to one member of the family (husband, wife and unmarried children).\n• Person in government service and their family members are not eligible.\n\nThree-step verification (GP/ULB → District Implementation Committee → Screening Committee) applies after enrolment.", "how_to_apply": "1. Visit https://pmvishwakarma.gov.in/ or enrol through the nearest Common Service Centre with Aadhaar-based biometric authentication.\n2. Complete registration details; undergo Stage-1/2/3 verification as enabled on the portal.\n3. After registration, follow skill assessment / Basic Training for toolkit incentive and first loan tranche eligibility.\n4. Approach the preferred Lending Institution for Enterprise Development Loan as guided on the portal.\n\nHelpline referenced in guidelines: 18002677777.", "about_text": "PM Vishwakarma is a Central Sector Scheme to provide end-to-end support to artisans and craftspeople who work with hands and tools in specified traditional trades.\n\nOfficial guidelines cover recognition (certificate/ID), skill assessment & training, toolkit incentive, affordable credit, and marketing support components.\n\nEnrolment is Aadhaar-authenticated via Common Service Centres / the PM Vishwakarma portal: https://pmvishwakarma.gov.in/", "apply_url": "https://pmvishwakarma.gov.in/", "official_pdf_url": "https://pmvishwakarma.gov.in/cdn/MiscFiles/eng_v30.0_PM_Vishwakarma_Guidelines_final.pdf", "source_urls": [ "https://pmvishwakarma.gov.in/", "https://pmvishwakarma.gov.in/cdn/MiscFiles/eng_v30.0_PM_Vishwakarma_Guidelines_final.pdf", "https://www.pib.gov.in/Pressreleaseshare.aspx?PRID=1959098" ], "faqs": [ { "q": "What are the loan tranche amounts?", "a": "Official guidelines state first tranche up to ₹1 lakh and second tranche up to ₹2 lakh, subject to training and repayment conditions." }, { "q": "Can a MUDRA borrower apply?", "a": "Guidelines exclude similar credit-scheme loans in the past 5 years, but state that MUDRA and SVANidhi beneficiaries who have fully repaid remain eligible." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM-KISAN", "name": "Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)", "ministry": "Ministry of Agriculture & Farmers’ Welfare", "category": "agriculture", "benefit_type": "other", "summary": "Central Sector income-support scheme providing ₹6,000 per year to eligible landholding farmer families in three instalments of ₹2,000, subject to exclusion categories.", "benefit_text": "Official portal / operational guidelines:\n\n• Income support of ₹6,000 per year.\n• Paid in three equal instalments of ₹2,000 every four months (April–July, August–November, December–March as described in guidelines).\n• Benefit transferred directly to the beneficiary bank account (DBT).\n\nDefinition of family for the scheme (portal): husband, wife and minor children.", "eligibility_text": "Eligible: landholding farmer families as identified by State/UT administrations as per scheme guidelines (benefit linked to names entered in land records, with stated exceptions for certain North-Eastern contexts / Jharkhand as described in guidelines).\n\nExclusion categories published on pmkisan.gov.in / guidelines include, among others:\n• All institutional land holders.\n• Former and present holders of constitutional posts; former/present Ministers and legislators and certain local body chairpersons as listed.\n• Serving or retired officers/employees of Central/State Government and related bodies (with stated exclusions for Multi Tasking Staff / Class IV / Group D).\n• Superannuated/retired pensioners with monthly pension of ₹10,000 or more (with the same Class IV/Group D carve-out as published).\n• Persons who paid Income Tax in the last assessment year.\n• Professionals such as Doctors, Engineers, Lawyers, Chartered Accountants and Architects registered with professional bodies and carrying out profession by undertaking practices.\n\nStates take self-declaration for exclusion certification as described in guidelines. Incorrect declaration can attract recovery and penal action.", "how_to_apply": "1. Visit the official PM-KISAN portal: https://pmkisan.gov.in/\n2. Use citizen/farmer services on the portal (registration / status / eKYC as enabled by the portal).\n3. States/UTs remain responsible for identifying and validating eligible farmers in land records.\n4. Complete eKYC / Aadhaar seeding requirements as directed on the portal for continued instalments.\n\nDo not use unofficial third-party apps claiming to enrol farmers.", "about_text": "PM-KISAN is a Central Sector Scheme of the Government of India to provide income support to landholding farmer families.\n\nAs published on pmkisan.gov.in and in the Revised Operational Guidelines (revised as on 21.6.2019), an amount of ₹6,000 per year is released by the Central Government online directly into the bank accounts of eligible farmers under Direct Benefit Transfer, subject to exclusions.\n\nState / UT Governments identify eligible farmer families. The PM-Kisan Portal is used for beneficiary data and benefit transfer processes.", "apply_url": "https://pmkisan.gov.in/", "official_pdf_url": "https://www.pmkisan.gov.in/Documents/Revised%20Operational%20Guidelines%20-%20PM-Kisan%20Scheme.pdf", "source_urls": [ "https://pmkisan.gov.in/", "https://www.pmkisan.gov.in/Documents/Revised%20Operational%20Guidelines%20-%20PM-Kisan%20Scheme.pdf" ], "faqs": [ { "q": "How much is paid under PM-KISAN?", "a": "Official portal/guidelines state ₹6,000 per year in three instalments of ₹2,000." }, { "q": "Who identifies beneficiaries?", "a": "State Government / UT administration identifies eligible farmer families as per scheme guidelines." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM-KMY", "name": "Pradhan Mantri Kisan Maan-Dhan Yojana (PM-KMY)", "ministry": "Ministry of Agriculture & Farmers’ Welfare (pension fund managed by LIC)", "category": "agriculture", "benefit_type": "other", "summary": "Voluntary contributory pension scheme for small and marginal landholding farmers (entry age 18–40) providing an assured monthly pension of ₹3,000 after age 60, with equal Central Government co-contribution, subject to exclusions.", "benefit_text": "From official PM-KMY Operational Guidelines:\n\n• Assured monthly pension of ₹3,000 on attaining 60 years (subject to scheme conditions).\n• Subscriber monthly contribution between ₹55 and ₹200 depending on age of entry (contribution chart in guidelines).\n• Central Government contributes an equal matching amount to the pension fund.\n• Option to auto-debit contribution from the bank account receiving PM-KISAN benefits, with consent.\n• Contributions may also be paid on quarterly / 4-monthly / half-yearly basis as allowed in guidelines.\n\nLIC is responsible for pension pay-out.", "eligibility_text": "From Operational Guidelines:\n\n• Small and Marginal Farmer owning cultivable land up to 2 hectares as per State/UT land records.\n• Age 18 years and above and up to 40 years.\n• Must not fall under exclusion criteria in Para 5, including:\n – SMFs covered under statutory social security schemes such as NPS, ESIC, EPFO, etc.\n – Farmers who opted for PM-SYM or PM-LVM.\n – Higher economic status exclusions aligned with categories such as institutional landholders, constitutional post holders, certain ministers/legislators, serving/retired government officers (with Class IV/Group D carve-out as written), income-tax payers in last assessment year, and listed professionals practising with professional bodies.\n\nState/UT may certify eligibility based on self-declaration as described; incorrect declaration can deny benefits.", "how_to_apply": "1. Enrol through Common Service Centre / State nodal process or official PM-KMY web portal as enabled (pmkmy.gov.in).\n2. Submit enrolment-cum-auto-debit mandate (PM-KISAN account or other bank account).\n3. Pay contributions as per age chart till 60.\n4. Keep land-record / eligibility declarations accurate.\n\nOperational Guidelines: https://www.pmkisan.gov.in/Documents/PM-KMY%20-%20Operational%20Guidelines.pdf", "about_text": "PM-KMY is a Central Sector old-age pension scheme for landholding Small and Marginal Farmers, effective from 9 August 2019 as per Operational Guidelines on pmkisan.gov.in.\n\nLIC manages the pension fund. Enrolment is facilitated through Common Service Centres / State processes and the scheme portal ecosystem (pmkmy.gov.in / maandhan summary pages).", "apply_url": "https://pmkmy.gov.in/", "official_pdf_url": "https://www.pmkisan.gov.in/Documents/PM-KMY%20-%20Operational%20Guidelines.pdf", "source_urls": [ "https://www.pmkisan.gov.in/Documents/PM-KMY%20-%20Operational%20Guidelines.pdf", "https://pmkmy.gov.in/", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2024/sep/doc202499390501.pdf" ], "faqs": [ { "q": "Who is an SMF under PM-KMY?", "a": "Operational Guidelines define Small and Marginal Farmer as one who owns cultivable land up to 2 hectares as per State/UT land records." }, { "q": "Does the Government also contribute?", "a": "Yes. Guidelines state the Central Government contributes an equal amount matching the subscriber’s contribution to the pension fund." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM-KUSUM", "name": "Pradhan Mantri Kisan Urja Suraksha evam Utthaan Mahabhiyaan (PM-KUSUM)", "ministry": "Ministry of New and Renewable Energy", "category": "agriculture", "benefit_type": "subsidy", "summary": "MNRE scheme helping farmers with decentralised renewable power plants (Component A), stand-alone solar agriculture pumps (Component B), and solarisation of grid-connected agriculture pumps / feeder-level solarisation (Component C).", "benefit_text": "From MNRE scheme description / implementation guidelines:\n\nComponent-A:\n• Individual farmers / groups / cooperatives / panchayats / FPOs / Water User Associations can set up RE power plants typically in the 500 kW–2 MW range (as described by MNRE) and sell power to DISCOM; developer/DISCOM models exist if the farmer cannot arrange equity.\n\nComponent-B (stand-alone solar pumps):\n• Support for stand-alone solar agriculture pumps of capacity up to 7.5 HP (higher HP may be allowed with CFA limited to 7.5 HP equivalent).\n• Typical CFA pattern in guidelines: Central CFA 30% of benchmark/tender cost (whichever lower) + State subsidy 30% + farmer 40% (bank loan may cover part of farmer share). For NE & hilly / island categories listed in guidelines, Central CFA is 50% with farmer share 20% when State gives 30%.\n\nComponent-C (individual pump solarisation):\n• Solar PV capacity up to two times pump capacity in kW allowed (State may set lower); CFA pattern analogous 30%/30%/40% (or 50%/30%/20% for listed special geographies), limited to 7.5 HP equivalent CFA.\n\nExact CFA, vendor rates and State top-ups vary by State tender — confirm with the State nodal agency / MNRE portal process.", "eligibility_text": "Depends on component:\n\n• Component-B: Individual farmers installing stand-alone solar pumps in areas/contexts covered by State allocation (guidelines focus on off-grid / diesel replacement use-cases as implemented by States).\n• Component-C: Farmers with existing grid-connected agriculture pumps (individual solarisation) or coverage via feeder-level solarisation models.\n• Component-A: Farmers/groups/cooperatives/FPOs/WUAs/panchayats able to develop eligible REPP capacity, or via developer/DISCOM route.\n\nState-wise capacity is allocated by MNRE against State demand. Not every district may have open intake at all times.", "how_to_apply": "1. Check current Component openings with your State Renewable Energy / Agriculture / DISCOM implementing agency and MNRE PM-KUSUM information pages.\n2. Apply through the State online portal / demand aggregation process used for solar pumps or solarisation.\n3. Select empaneled vendor after State tender rates; complete installation and inspection for CFA release.\n4. Track only through official State / MNRE channels.\n\nMNRE hub: https://mnre.gov.in/en/pradhan-mantri-kisan-urja-suraksha-evam-utthaan-mahabhiyaan-pm-kusum/", "about_text": "PM-KUSUM is implemented by MNRE with State implementing agencies / DISCOMs. Official MNRE scheme page describes three components:\n\n• Component-A: Decentralised ground/stilt-mounted grid-connected solar or other RE power plants.\n• Component-B: Stand-alone solar agriculture pumps.\n• Component-C: Solarisation of grid-connected agriculture pumps, including feeder-level solarisation.\n\nComprehensive implementation guidelines are published by MNRE (including the January 2024 comprehensive guidelines notice).", "apply_url": "https://mnre.gov.in/en/pradhan-mantri-kisan-urja-suraksha-evam-utthaan-mahabhiyaan-pm-kusum/", "official_pdf_url": "https://cdnbbsr.s3waas.gov.in/s3093483bea65556323e6f329521fa346b/uploads/2025/06/20250625430226413.pdf", "source_urls": [ "https://mnre.gov.in/en/pradhan-mantri-kisan-urja-suraksha-evam-utthaan-mahabhiyaan-pm-kusum/", "https://mnre.gov.in/en/notice/comprehensive-guidelines-for-implementation-of-pradhan-mantri-kisan-urja-suraksha-evam-utthaan-mahabhiyaan-pm-kusum-scheme/", "https://cdnbbsr.s3waas.gov.in/s3093483bea65556323e6f329521fa346b/uploads/2025/06/20250625430226413.pdf" ], "faqs": [ { "q": "What are the three components?", "a": "MNRE lists Component-A (decentralised RE power plants), Component-B (stand-alone solar agri pumps), and Component-C (solarisation of grid-connected agri pumps including feeder-level solarisation)." }, { "q": "Who pays for a solar pump under Component-B?", "a": "Guidelines describe a typical split of Central CFA 30%, State subsidy 30% and farmer 40% (with higher Central CFA 50% for listed NE/hilly/island categories), subject to State tenders." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PM-SYM", "name": "Pradhan Mantri Shram Yogi Maandhan (PM-SYM)", "ministry": "Ministry of Labour and Employment", "category": "social", "benefit_type": "other", "summary": "Voluntary contributory pension scheme for unorganised workers providing a minimum assured pension of ₹3,000 per month after age 60, subject to entry-age, income and exclusion conditions.", "benefit_text": "From official maandhan.in / Ministry materials:\n\n• Minimum assured pension of ₹3,000 per month after age 60.\n• Spouse family pension at 50% of the pension on death of the beneficiary (family pension applicable only to spouse), as stated on maandhan.in.\n• Subscriber monthly contribution ranging between ₹55 and ₹200 till age 60 depending on entry age (maandhan.in).\n• Enrolment through Common Service Centres and scheme portal processes.\n\nConfirm the exact age-wise contribution chart and Government co-contribution mechanics on maandhan.in / CSC at the time of enrolment.", "eligibility_text": "From official maandhan.in and Ministry IEC materials:\n\n• Unorganised worker.\n• Entry age 18 to 40 years.\n• Monthly income ₹15,000 or below.\n• Should possess Aadhaar and a savings / Jan Dhan bank account with IFSC.\n\nShould not be:\n• Engaged in organised sector as member of EPFO / NPS / ESIC.\n• An income-tax payer.\n\nMinistry IEC materials also list illustrative occupations (street vendors, construction workers, agricultural workers, domestic workers, weavers, etc.). Confirm the published occupation list on labour.gov.in if needed.", "how_to_apply": "1. Visit the nearest Common Service Centre with Aadhaar and bank passbook / Jan Dhan details, or use https://maandhan.in/ self-registration if enabled.\n2. Complete enrolment on self-certification basis as per CSC/portal process.\n3. Pay the first contribution as instructed (CSC processes historically collect first-month contribution at enrolment).\n4. Keep contributing till age 60 to remain eligible for the assured pension path.\n\nUse only official CSC / maandhan channels.", "about_text": "PM-SYM is a voluntary and contributory old-age pension scheme of the Ministry of Labour & Employment for unorganised workers.\n\nOfficial maandhan.in / labour.gov.in materials describe a minimum assured pension of ₹3,000 per month after attaining 60 years, with family pension to the spouse (50% of the pension) on the beneficiary’s death as stated on maandhan.in.\n\nPortal: https://maandhan.in/", "apply_url": "https://maandhan.in/", "official_pdf_url": "https://www.labour.gov.in/static/uploads/2025/06/49a10165d1cf6f46e3bfbb52ba14f325.pdf", "source_urls": [ "https://maandhan.in/show_content.php?lang=1&level=1&lid=28&ls_id=28&page=6", "https://labour.gov.in/pm-sym", "https://www.labour.gov.in/static/uploads/2025/06/49a10165d1cf6f46e3bfbb52ba14f325.pdf", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/mar/doc202534512301.pdf" ], "faqs": [ { "q": "What pension is assured?", "a": "Official maandhan.in materials state a minimum assured pension of ₹3,000 per month after age 60." }, { "q": "What is the income limit?", "a": "Official materials state monthly income should be ₹15,000 or below, with entry age 18–40, subject to EPFO/ESIC/NPS and income-tax exclusions." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMAY-G", "name": "Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)", "ministry": "Ministry of Rural Development", "category": "housing", "benefit_type": "subsidy", "summary": "Centrally sponsored rural housing scheme providing unit assistance to construct pucca houses with basic amenities for eligible houseless / kutcha-house rural households identified through SECC / Awaas+ processes.", "benefit_text": "From Cabinet decision for implementation during FY 2024-25 to 2028-29 (PMO / PIB):\n\n• Unit assistance continues at ₹1.20 lakh in plain areas and ₹1.30 lakh in North Eastern Region States and Hill States of Himachal Pradesh, Uttarakhand, and UTs of Jammu & Kashmir and Ladakh.\n• Minimum unit size historically stated in MoRD overview as 25 sq. mt. including dedicated area for hygienic cooking (confirm any local design norms on AwaasSoft / State SoP).\n• Funding pattern commonly cited in MoRD/PIB materials: 60:40 Centre:State in plain areas; 90:10 for NER / Himalayan States (as listed); 100% Central share for UTs without legislature (confirm current Finance Ministry / MoRD circular for your State/UT).\n• Convergence with toilets, drinking water, electricity, LPG, etc. is encouraged as described in official releases.\n\nAssistance is released in instalments linked to construction stages on AwaasSoft — not a cash grant unrelated to house construction milestones.", "eligibility_text": "Identification is not open self-enrolment like a bank product. Official MoRD/PIB materials state beneficiaries are identified using housing deprivation parameters and exclusion criteria from SECC-2011 and Awaas+ (2018), with Gram Sabha verification and appellate process.\n\nPriority universe commonly described in MoRD/PIB materials includes:\n• Houseless households.\n• Households living in houses with kutcha walls and kutcha roof / zero, one or two rooms as per SECC deprivation parameters.\n• Compulsory inclusion categories historically listed include destitute / living on alms, manual scavengers, Primitive Tribal Groups, and legally released bonded labourers.\n\nCabinet has also approved updating the Awaas+ list using modified exclusion criteria, with States/UTs conducting technology-based surveys — eligibility for new targets depends on State survey / wait-list process.\n\nVedica note: check your name on the Permanent Wait List / AwaasSoft / Gram Panchayat list. Do not pay agents claiming “instant PMAY-G approval”.", "how_to_apply": "1. Check status / list information on https://pmayg.nic.in (AwaasSoft public reports / beneficiary search as enabled).\n2. Contact Gram Panchayat / Block office for wait-list position, Gram Sabha validation and appeal process if you believe you were wrongly excluded.\n3. After sanction, construction and instalment release follow AwaasSoft geo-tagged workflow as implemented by the State.\n4. Prefer official UMANG / MoRD channels referenced by government for citizen services where enabled.\n\nThere is no reliable third-party paid shortcut for wait-list inclusion.", "about_text": "PMAY-G (restructured from Indira Awaas Yojana with effect from April 2016) aims to provide a pucca house with basic amenities to eligible rural households.\n\nOfficial Cabinet / PMO note for FY 2024-25 to 2028-29 continues the scheme to provide assistance for construction of two crore more houses, saturating updated Awaas+ (2018) lists and balance eligible SECC 2011 Permanent Wait List households within that ceiling.\n\nPortal / e-governance platform: https://pmayg.nic.in (AwaasSoft).", "apply_url": "https://pmayg.nic.in/", "official_pdf_url": "https://rural.gov.in/sites/default/files/Overview%20of%20PMAY-G.pdf", "source_urls": [ "https://pmayg.nic.in/", "https://www.pmindia.gov.in/en/news_updates/cabinet-approves-implementation-of-the-pradhan-mantri-awaas-yojana-gramin-pmay-g-during-fy-2024-25-to-2028-29/", "https://www.pib.gov.in/PressReleaseIframePage.aspx?PRID=2043921", "https://rural.gov.in/sites/default/files/Overview%20of%20PMAY-G.pdf" ], "faqs": [ { "q": "What is the current unit assistance?", "a": "Cabinet decision for FY 2024-25 to 2028-29 continues unit assistance at ₹1.20 lakh (plains) and ₹1.30 lakh (NER / specified hill States & J&K/Ladakh UTs)." }, { "q": "Can anyone apply online and get a house immediately?", "a": "No. Official materials base selection on SECC/Awaas+ deprivation parameters with Gram Sabha verification and wait-list/target processes — not open first-come bank-style enrolment." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMAY-U 2.0", "name": "Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0)", "ministry": "Ministry of Housing and Urban Affairs", "category": "housing", "benefit_type": "subsidy", "summary": "Housing for All mission for urban areas (from 01.09.2024) with verticals including Beneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and Interest Subsidy Scheme.", "benefit_text": "Benefits depend on the vertical chosen (BLC / AHP / ARH / ISS) and income segment (EWS / LIG / MIG) as defined in the official PMAY-U 2.0 Operational Guidelines (September 2024).\n\nGuidelines define beneficiary family, income slabs (EWS up to ₹3 lakh; LIG ₹3–6 lakh; MIG ₹6–9 lakh — States/UTs may redefine EWS income criteria with Ministry concurrence), and that the family should not own a pucca house anywhere in India in the name of the beneficiary or any family member.\n\nInterest Subsidy Scheme (ISS) and other verticals have detailed assistance norms in the official PDF. Read the vertical-specific chapters before applying.", "eligibility_text": "From PMAY-U 2.0 Operational Guidelines (MoHUA, September 2024):\n\n• Beneficiary family comprises husband, wife, unmarried sons and/or unmarried daughters.\n• Families belonging to EWS/LIG/MIG segments living in urban areas.\n• Should not own a pucca house (all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India.\n• Income definitions: EWS — annual income up to ₹3.0 lakh (States/UTs may redefine with Ministry concurrence); LIG — ₹3.0 lakh up to ₹6.0 lakh; MIG — ₹6 lakh up to ₹9 lakh.\n• Additional vertical-specific conditions (carpet area, project type, residence requirements, etc.) apply as per guidelines.\n\nApplicants must select one vertical and meet that vertical’s criteria on the PMAY-U 2.0 MIS / portal.", "how_to_apply": "1. Read Operational Guidelines of PMAY-U 2.0 on pmay-urban.gov.in.\n2. Use the PMAY-U 2.0 website / MIS at pmaymis.gov.in (PMAY-U 2.0 module) to understand verticals and file applications as enabled for citizens / ULBs / PLIs.\n3. For Interest Subsidy Scheme, process typically involves Primary Lending Institutions and Central Nodal Agencies as described in guidelines.\n4. Track application status on the official MIS only.\n\nUser manuals on pmaymis.gov.in describe beneficiary application steps for PMAY-U 2.0.", "about_text": "Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0) is implemented by the Ministry of Housing and Urban Affairs to address affordable housing needs of eligible urban families.\n\nOfficial Operational Guidelines (September 2024) on pmay-urban.gov.in state the Mission will be implemented for 5 years from 01.09.2024 to provide Central Assistance through States/UTs/Primary Lending Institutions to construct, purchase or rent a house at an affordable cost.\n\nVerticals:\n• Beneficiary Led Construction (BLC)\n• Affordable Housing in Partnership (AHP)\n• Affordable Rental Housing (ARH)\n• Interest Subsidy Scheme (ISS)\n\nISS is implemented as a Central Sector Scheme; other verticals as Centrally Sponsored Scheme, as stated in the guidelines.", "apply_url": "https://pmaymis.gov.in/", "official_pdf_url": "https://pmay-urban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf", "source_urls": [ "https://pmay-urban.gov.in/about", "https://pmay-urban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf", "https://pmaymis.gov.in/" ], "faqs": [ { "q": "When did PMAY-U 2.0 start?", "a": "Official guidelines state implementation for 5 years from 01.09.2024." }, { "q": "Can a family that already owns a pucca house apply?", "a": "Guidelines state the beneficiary family should not own a pucca house anywhere in India in the beneficiary’s or family member’s name." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMBJP", "name": "Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP)", "ministry": "Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers (implemented by PMBI)", "category": "social", "benefit_type": "other", "summary": "Central scheme delivering quality generic medicines and surgicals at affordable prices through Pradhan Mantri Bhartiya Janaushadhi Kendras across the country.", "benefit_text": "From official PMBJP / PMBI materials:\n\n• Generic medicines (and listed surgical items) sold at Janaushadhi Kendras at prices typically much lower than branded equivalents, with quality testing described on the PMBI FAQ.\n• Product basket and MRP list are published on janaushadhi.gov.in (therapeutic groups / product list) — count of SKUs changes over time; check the live catalogue.\n• Citizens can locate nearby Kendras on the portal; Jan Aushadhi Sugam mobile app is referenced on the scheme page for store/product information.\n• Separate track exists for entrepreneurs to open a new PMBJK under PMBI guidelines (online application on janaushadhi.gov.in) — that is an outlet-opening pathway, not a patient cash subsidy.\n\nThis is affordable medicine access — not a health-insurance reimbursement scheme like AB-PMJAY.", "eligibility_text": "Any member of the public may purchase medicines from a Janaushadhi Kendra as per prescription / OTC rules applicable to the product.\n\nOpening a new Kendra has separate eligibility (pharmacist / applicant norms, premises, security deposit, etc.) under PMBI “Guidelines for opening of new PMBJK” — confirm the current PDF on janaushadhi.gov.in before applying.", "how_to_apply": "To buy medicines:\n1. Locate a Kendra via https://janaushadhi.gov.in/ (Locate PMBJP Kendra) or the Sugam app.\n2. Carry a valid prescription where required.\n3. Prefer billed purchase of Jan Aushadhi generics; verify MRP on the pack / portal list.\n\nTo open a Kendra: apply online on janaushadhi.gov.in per current PMBI guidelines PDF.\n\nComplaints contact published by PMBI (e.g. complaints[at]janaushadhi[dot]gov[dot]in) — confirm on the site.", "about_text": "PMBJP was launched by the Department of Pharmaceuticals to make quality generic medicines available at affordable prices through dedicated outlets called Pradhan Mantri Bhartiya Janaushadhi Kendras. Implementation is by Pharmaceuticals & Medical Devices Bureau of India (PMBI).\n\nOfficial site: https://janaushadhi.gov.in/", "apply_url": "https://janaushadhi.gov.in/", "official_pdf_url": "https://janaushadhi.gov.in/pdf/Guidelines_for_PMBJK_Opening.pdf", "source_urls": [ "https://janaushadhi.gov.in/pmjy.aspx", "https://janaushadhi.gov.in/FAQ.aspx", "https://janaushadhi.gov.in/" ], "faqs": [ { "q": "Are Jan Aushadhi medicines the same quality as branded ones?", "a": "Official PMBI FAQ states generic medicines supplied through Kendras have the same potency as expensive branded medicines available in the open market, with quality testing described on the FAQ." }, { "q": "How do I find a store?", "a": "Use Locate PMBJP Kendra on https://janaushadhi.gov.in/ or the Jan Aushadhi Sugam app referenced on the scheme page." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMEGP", "name": "Prime Minister's Employment Generation Programme (PMEGP)", "ministry": "Ministry of Micro, Small and Medium Enterprises (KVIC nodal)", "category": "business", "benefit_type": "subsidy", "summary": "Central Sector credit-linked Margin Money subsidy scheme for new micro enterprises in manufacturing and business/service sectors, implemented through KVIC / KVIB / DIC and banks.", "benefit_text": "From the official PMEGP guidelines (KVIC / MoMSME certified guidelines PDF):\n\nFor new units, Margin Money subsidy is a percentage of project cost. Special Category (including SC/ST/OBC/Minorities/Women/Ex-servicemen/Physically handicapped/NER/Hill and Border areas as defined in guidelines) receives a higher subsidy rate than General Category; own contribution is lower for Special Category.\n\nMaximum project cost admissible for Margin Money subsidy (new units) is stated in the guidelines as ₹50 lakh for Manufacturing and ₹20 lakh for Business/Service sector (balance above ceiling may be bank-financed without Government subsidy).\n\nSecond financial assistance / upgradation for existing successful PMEGP/REGP/MUDRA units has separate subsidy ceilings stated in the same guidelines.\n\nAlways read the current official PDF for exact subsidy tables and conditions.", "eligibility_text": "From official PMEGP guidelines for new enterprises:\n\n• Any individual above 18 years of age.\n• No income ceiling for setting up projects under PMEGP.\n• For project cost above ₹10 lakh (Manufacturing) or above ₹5 lakh (Business/Service), beneficiary should have at least VIII standard pass educational qualification.\n• Assistance is only for new projects sanctioned specifically under PMEGP.\n• Existing units under PMRY, REGP or any other GoI/State scheme, and units that already availed Government subsidy under any other GoI/State scheme, are not eligible.\n• Projects without capital expenditure are not eligible; cost of land should not be included in project cost.\n• Activities in the negative list / prohibited by local authorities are not eligible.\n\nSpecial Category definitions and rural/urban classifications are detailed in the official guidelines PDF.", "how_to_apply": "1. Apply through the PMEGP e-portal (kviconline.gov.in PMEGP portal) as directed by MoMSME / KVIC.\n2. Upload documents required for screening (listed in guidelines), including project report and category certificates where applicable.\n3. Implementing Agency scrutinises and may forward to the financing bank preferred by the applicant.\n4. Bank appraises and sanctions credit; Margin Money subsidy is claimed/released as per portal process after conditions such as own contribution and EDP training (as applicable in guidelines) are met.\n\nOffline physical application options in regional languages are also described on the MoMSME PMEGP scheme page / portal.", "about_text": "PMEGP is a credit-linked subsidy programme of the Ministry of MSME for generating self-employment through new micro enterprises in the non-farm sector.\n\nKVIC is the national nodal agency. At State level, implementation is through State KVIC offices, State KVIBs, District Industries Centres (DICs) and banks. Coir-related activities may involve Coir Board as implementing agency.\n\nThe modified operational guidelines (certified continuation over the 15th Finance Commission cycle, FY 2021-22 to 2025-26) set Margin Money subsidy patterns, eligibility, negative list, bank finance norms and online application process via the PMEGP e-portal.", "apply_url": "https://www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp", "official_pdf_url": "https://kviconline.gov.in/pmegpeportal/dashboard/notification/PMEGP_Guidelines_Certified_2022_3.pdf", "source_urls": [ "https://msme.gov.in/1-prime-ministers-employment-generation-programme-pmegp", "https://kviconline.gov.in/pmegpeportal/dashboard/notification/PMEGP_Guidelines_Certified_2022_3.pdf", "https://www.kviconline.gov.in/pmegpeportal/pmegphome/index.jsp" ], "faqs": [ { "q": "Can existing subsidised units apply as a new PMEGP unit?", "a": "Official guidelines state existing units under PMRY/REGP or other GoI/State schemes, and units that already availed Government subsidy under any other GoI/State scheme, are not eligible for new PMEGP assistance." }, { "q": "Is land cost financed?", "a": "Guidelines state cost of land should not be included in the project cost." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMFBY", "name": "Pradhan Mantri Fasal Bima Yojana (PMFBY)", "ministry": "Department of Agriculture & Farmers Welfare", "category": "agriculture", "benefit_type": "other", "summary": "Crop insurance scheme providing affordable risk cover for notified crops against non-preventable natural risks, with capped farmer premium shares and government premium subsidy, administered via the National Crop Insurance Portal.", "benefit_text": "From PMFBY Operational Guidelines 2023 (farmer premium table):\n\nMaximum farmer share of premium / Sum Insured (or actuarial rate, whichever is less):\n• Kharif crops: 2.0% of Sum Insured\n• Rabi crops: 1.5% of Sum Insured\n• Kharif and Rabi annual commercial / horticultural crops (and perennial horticultural/commercial as listed): 5% of Sum Insured\n\nPremium above the farmer share is subsidised by Central and State/UT Governments as per the guidelines’ subsidy-sharing framework.\n\nRisk cover includes notified yield/weather/add-on covers as implemented by the State/UT notification for the season. Post-harvest cover is limited as defined (e.g. up to two weeks after harvest for specified perils/conditions).", "eligibility_text": "From Operational Guidelines 2023:\n\n• The scheme is optional for all farmers, including KCC loanee farmers for notified crops and non-loanee farmers.\n• Coverage applies only for crops and Insurance Units notified by the State/UT for the season.\n• Aadhaar is mandatory for availing crop insurance (from Kharif 2017 onwards as stated in guidelines).\n• Loanee farmers who do not want cover must submit a signed opt-out declaration to the bank branch at least 7 days before the enrolment/premium debit cut-off; otherwise banks auto-cover for the season as per guidelines.\n\nTenant farmers / sharecroppers may be covered as enabled by State approaches toward universal coverage — follow State notification and portal process.", "how_to_apply": "1. Check State/UT season notification (crops, IUs, cut-off dates) and use https://pmfby.gov.in/ (premium calculator / enrolment channels).\n2. Enrol via bank/PACS (especially KCC loanee route), CSC, insurance intermediary / AIDE channels, or other authorised channels listed on NCIP.\n3. Upload / provide land, bank and sowing proofs as required by the State (except where bank loanee process differs).\n4. Track application and claims only on the official portal / insurer channels.\n\nCut-off dates are State-notified (guidelines indicate typical outer references such as mid-July for Kharif and mid-December for Rabi unless State fixes earlier).", "about_text": "PMFBY was launched from Kharif 2016 to provide comprehensive crop insurance against non-preventable natural risks from pre-sowing to post-harvest stages for notified crops/areas.\n\nOperational Guidelines 2023 (effective from Kharif 2023) govern current implementation. Enrolment and claims workflow run on the National Crop Insurance Portal: https://pmfby.gov.in/", "apply_url": "https://pmfby.gov.in/", "official_pdf_url": "https://pmfby.amnex.co.in/pmfby/pdf/operational_guidelines_pmfby.pdf", "source_urls": [ "https://pmfby.gov.in/", "https://pmfby.amnex.co.in/pmfby/pdf/operational_guidelines_pmfby.pdf" ], "faqs": [ { "q": "What premium does the farmer pay?", "a": "OG 2023 caps farmer share at 2% (Kharif), 1.5% (Rabi) and 5% (annual commercial/horticultural) of Sum Insured, or the actuarial rate if lower." }, { "q": "Is PMFBY compulsory for KCC loanee farmers?", "a": "No. OG 2023 states the scheme is optional for all farmers including loanee farmers; loanees must submit a timely opt-out declaration to avoid auto-enrolment." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMFME", "name": "PM Formalisation of Micro Food Processing Enterprises (PMFME)", "ministry": "Ministry of Food Processing Industries", "category": "business", "benefit_type": "subsidy", "summary": "Centrally Sponsored scheme supporting upgradation / formalisation of micro food processing enterprises with credit-linked capital subsidy, seed capital for SHGs, common infrastructure and branding support under an ODOP framework.", "benefit_text": "From official PMFME Scheme Guidelines (MoFPI):\n\n• Individual micro food processing units: credit-linked capital subsidy @ 35% of eligible project cost, maximum ceiling ₹10 lakh per unit; beneficiary contribution minimum 10% of project cost; balance as bank loan.\n• SHG seed capital: ₹40,000 per eligible SHG member for working capital and small tools (as stated in guidelines), with eligibility conditions.\n• Groups / common infrastructure / branding & marketing: credit-linked grant typically @ 35% with component-specific ceilings and approval routes as prescribed.\n• Capacity building / handholding through Resource Persons and State institutions.\n\nNew units (individuals/groups) are supported only for ODOP products as stated in guidelines; existing non-ODOP units may still get individual support with preference to ODOP. Always read the current guidelines + State portal instructions.", "eligibility_text": "Individual category (guidelines):\n• Existing micro food processing enterprises seeking upgradation, and new units only for ODOP products where baseline/need is established as described.\n• Preference to ODOP producers for capital investment support; other existing micro enterprises may also be considered as per guidelines.\n• Bankable project with minimum 10% own contribution.\n\nGroup / SHG / FPO / cooperative criteria include experience, turnover and contribution conditions detailed in the guidelines (e.g. SHG members presently engaged in food processing for seed capital).\n\nFinal sanction of credit-linked subsidy depends on State nodal process, District/State committees and the financing bank.", "how_to_apply": "1. Read Scheme Guidelines on https://pmfme.mofpi.gov.in/ (newsletters / guidelines section).\n2. Apply through the PMFME online application system / State nodal agency process as enabled for your State.\n3. Prepare DPR / project details; undergo bank appraisal for credit-linked components.\n4. Track subsidy claim / release as per portal and bank workflow.\n\nVedica does not process PMFME subsidy claims.", "about_text": "PMFME is a Centrally Sponsored Scheme of MoFPI launched on 29 June 2020 to provide financial, technical and business support for micro food processing enterprises.\n\nOfficial Scheme Guidelines adopt a One District One Product (ODOP) approach. Support covers individual micro units, groups (SHGs/FPOs/cooperatives), common infrastructure, branding & marketing, and capacity building.\n\nMoFPI OM dated 30.09.2024 extended implementation of the existing scheme up to 31.03.2026 (FY 2025-26) with the same components, pattern of assistance and overall outlay of ₹10,000 crore. PIB (2026) likewise describes the scheme as operational up to 2025-26. Confirm any later temporary administrative extension on https://pmfme.mofpi.gov.in/ before applying.", "apply_url": "https://pmfme.mofpi.gov.in/", "official_pdf_url": "https://pmfme.mofpi.gov.in/pmfme/newsletters/docs/SchemeGuidelines.pdf", "source_urls": [ "https://pmfme.mofpi.gov.in/", "https://pmfme.mofpi.gov.in/pmfme/newsletters/docs/SchemeGuidelines.pdf", "https://www.pmfmeap.org/sites/default/files/2024-09/O.M.%20dated%2030.09.2024%20for%20extension%20of%20PMFME%20Scheme%20for%2031.03.2026%20%28FY%202025-26%29.pdf", "https://www.pib.gov.in/PressReleasePage.aspx?PRID=2248478" ], "faqs": [ { "q": "What is the individual unit subsidy?", "a": "Official guidelines state credit-linked capital subsidy at 35% of eligible project cost with a maximum ceiling of ₹10 lakh per unit, with minimum 10% beneficiary contribution." }, { "q": "Till when is the scheme running?", "a": "MoFPI OM (30.09.2024) extended the existing scheme up to 31.03.2026 with same components and ₹10,000 crore outlay. Confirm any later extension notice on the official MoFPI PMFME site." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMJDY", "name": "Pradhan Mantri Jan Dhan Yojana (PMJDY)", "ministry": "Department of Financial Services, Ministry of Finance", "category": "social", "benefit_type": "other", "summary": "National Mission for Financial Inclusion offering unbanked adults a Basic Savings Bank Deposit account with no minimum balance, free RuPay debit card (accident cover), and overdraft access subject to eligibility.", "benefit_text": "From DFS / pmjdy.gov.in scheme details:\n\n• Basic Savings Bank Deposit (BSBD) account for unbanked persons with no minimum-balance requirement.\n• Interest is earned on deposits in PMJDY accounts.\n• Free RuPay debit card; accident insurance cover of ₹2 lakh for new PMJDY accounts opened after 28.08.2018 (pmjdy.gov.in notes earlier accounts had ₹1 lakh cover, enhanced for accounts opened after that date).\n• Overdraft facility of up to ₹10,000 for eligible account holders (subject to bank eligibility conditions).\n• Banking access via branches and Bank Mitras; pathway to DBT and social-security products (PMJJBY, PMSBY, APY) and other linked facilities as listed on the official scheme page.\n\nExact overdraft sanction and RuPay-insurance claim conditions are administered by the bank / insurer — confirm with the account-holding bank.", "eligibility_text": "Persons not having any other bank account may open a BSBD account under PMJDY at any bank branch or Business Correspondent (Bank Mitra) outlet (pmjdy.gov.in).\n\nFocus after 14.08.2018: every unbanked adult. Minors’ account opening, if offered by the bank, follows that bank’s KYC / BSBD rules — confirm at the branch.\n\nOverdraft is not automatic for every account; it is subject to eligibility conditions stated by DFS and assessed by the bank.", "how_to_apply": "1. Visit any bank branch or Bank Mitra / Business Correspondent with KYC documents.\n2. Request opening of a PMJDY / BSBD account (declare you do not already hold another savings account, as required).\n3. Complete KYC; obtain passbook and RuPay debit card as issued.\n4. For overdraft or insurance claim process, ask the same bank.\n\nPortal: https://www.pmjdy.gov.in/ — DFS page: https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy\nNational toll-free numbers listed on pmjdy.gov.in (e.g. 1800 11 0001 / 1800 180 1111) — confirm live numbers on the site.", "about_text": "PMJDY was launched on 28.08.2014 as the National Mission for Financial Inclusion. DFS states that after 14.08.2018 the focus shifted from “every household” to “every unbanked adult”.\n\nOfficial pages: https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy and https://www.pmjdy.gov.in/scheme", "apply_url": "https://www.pmjdy.gov.in/", "official_pdf_url": null, "source_urls": [ "https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy", "https://www.pmjdy.gov.in/scheme" ], "faqs": [ { "q": "Is there a minimum balance?", "a": "Official DFS / PMJDY materials state there is no requirement to maintain any minimum balance in PMJDY BSBD accounts." }, { "q": "What is the RuPay accident cover?", "a": "DFS states a free RuPay debit card with in-built accident insurance of ₹2 lakh; pmjdy.gov.in notes the enhancement to ₹2 lakh applies to new PMJDY accounts opened after 28.08.2018." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMJJBY", "name": "Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)", "ministry": "Department of Financial Services, Ministry of Finance", "category": "social", "benefit_type": "other", "summary": "One-year renewable term life insurance cover of ₹2 lakh for death due to any cause, for eligible bank/post-office account holders aged 18–50, with annual premium auto-debit.", "benefit_text": "From official DFS PMJJBY pages:\n\n• Life insurance cover of ₹2 lakh for death due to any reason.\n• Annual premium ₹436 (or any revised amount intimated from time to time).\n• Risk cover period: 1 June to 31 May.\n• Premium recovered by auto-debit from the designated bank / Post Office account.\n\nClaims are settled by the implementing insurer as per scheme rules. Enrolment is through one bank / Post Office account only (as stated by DFS).", "eligibility_text": "From official DFS materials:\n\n• Individual bank / Post Office account holder.\n• Age 18 to 50 years entitled to join.\n• Consent for auto-debit of premium.\n• Join through one bank / Post Office account only.\n\nCoverage terms for delayed enrolment / renewal after the standard cycle date follow the premium and coverage conditions described on the DFS / jansuraksha materials — confirm with the bank at enrolment.", "how_to_apply": "1. Visit your bank branch / Post Office, internet banking, or official enrolment channel linked to your account.\n2. Submit PMJJBY enrolment / auto-debit / consent-cum-declaration form.\n3. Ensure sufficient balance for premium auto-debit before the due date.\n4. For claims/FAQs, use bank + insurer process and https://jansuraksha.gov.in/\n\nDo not pay cash to unknown agents claiming special PMJJBY registration.", "about_text": "PMJJBY is a Government of India social security insurance scheme administered through LIC and other life insurers in collaboration with participating banks / Post Offices.\n\nOfficial DFS pages describe it as a one-year cover, renewable year to year, offering life insurance for death due to any cause.\n\nCitizen portal hub: https://jansuraksha.gov.in/", "apply_url": "https://financialservices.gov.in/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby", "official_pdf_url": "https://jansuraksha.gov.in/Files/PMJJBY/ENGLISH/FAQ.pdf", "source_urls": [ "https://financialservices.gov.in/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby", "https://jansuraksha.gov.in/", "https://jansuraksha.gov.in/Files/PMJJBY/ENGLISH/FAQ.pdf" ], "faqs": [ { "q": "What is the sum assured?", "a": "DFS states cover of ₹2 lakh for death due to any reason." }, { "q": "What is the premium?", "a": "DFS currently lists annual premium of ₹436 (subject to revision as intimated)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMKVY", "name": "Pradhan Mantri Kaushal Vikas Yojana 4.0 (PMKVY 4.0)", "ministry": "Ministry of Skill Development and Entrepreneurship", "category": "education", "benefit_type": "other", "summary": "Flagship free short-term skill training and Recognition of Prior Learning scheme (PMKVY 4.0 / Skill India Programme component) with NSQF-aligned courses, assessment and certification via Skill India Digital.", "benefit_text": "From PMKVY 4.0 Guidelines / NSDC scheme descriptions:\n\n• Free NSQF-aligned short-term skill training (STT) and Special Projects at accredited centres; free assessment and nationally recognised certification on successful completion.\n• Recognition of Prior Learning (RPL) for candidates with prior experience/skills who seek assessment and certification (and upskilling pathways as designed).\n• Candidate support elements described under Common Norms / scheme materials may include uniform/induction kit, boarding & lodging for eligible categories, conveyance for women/PwDs in non-residential training, additional PwD assistive-device support, and accidental insurance during training — confirm which supports apply to the specific batch on Skill India Digital / the Training Centre.\n• On-the-job training (OJT) may be an inherent STT component as per guidelines.\n\nPMKVY does not guarantee a government job; outcomes are employability / entrepreneurship oriented.", "eligibility_text": "PMKVY 4.0 Guidelines:\n• Indian nationals with valid Aadhaar, fulfilling the eligibility of the chosen job role.\n• Age: STT / Special Projects — 15–45 years; RPL — 18–59 years.\n• RPL additionally requires prior experience in the job role as specified.\n\nTargets/batches depend on allocated training capacity. Confirm that live enrolments remain open for the chosen job role on Skill India Digital (phase framed through 2026 in official materials).", "how_to_apply": "1. Register / log in on https://www.skillindiadigital.gov.in/\n2. Browse PMKVY courses / Training Centres near you and check job-role eligibility.\n3. Enrol in an open batch; complete counselling and AEBAS attendance as required.\n4. Appear for assessment by the authorised awarding body / SSC and download the certificate when issued.\n\nGuidelines: https://www.msde.gov.in/sites/default/files/2023-11/PMKVY%204.0%20Guidelines.pdf", "about_text": "PMKVY was launched in 2015 to provide free short-duration skill training and incentivise youth for skill certification. PMKVY 4.0 (framed for 2022–26 in MSDE/PIB materials) delivers Short-Term Training (STT), Special Projects and Recognition of Prior Learning (RPL). It is implemented under MSDE with NSDC / Sector Skill Councils and forms part of the restructured Skill India Programme alongside NAPS and JSS.\n\nGuidelines PDF: https://www.msde.gov.in/sites/default/files/2023-11/PMKVY%204.0%20Guidelines.pdf\nCandidate platform: https://www.skillindiadigital.gov.in/", "apply_url": "https://www.skillindiadigital.gov.in/", "official_pdf_url": "https://www.msde.gov.in/sites/default/files/2023-11/PMKVY%204.0%20Guidelines.pdf", "source_urls": [ "https://www.msde.gov.in/sites/default/files/2023-11/PMKVY%204.0%20Guidelines.pdf", "https://www.skillindiadigital.gov.in/", "https://nsdcindia.org/products/pradhan-mantri-kaushal-vikas-yojana", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/jun/doc2026613891801.pdf" ], "faqs": [ { "q": "Is training free?", "a": "Official PMKVY materials state short-duration skill training under the scheme is free for eligible candidates; training cost is borne by the scheme." }, { "q": "What ages are covered?", "a": "PMKVY 4.0 Guidelines: 15–45 years for Short-Term Training / Special Projects; 18–59 years for Recognition of Prior Learning." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMMSY", "name": "Pradhan Mantri Matsya Sampada Yojana (PMMSY)", "ministry": "Department of Fisheries, Ministry of Fisheries, Animal Husbandry and Dairying", "category": "agriculture", "benefit_type": "subsidy", "summary": "Flagship fisheries development scheme with Central Sector and Centrally Sponsored components supporting production, infrastructure, value chain and fishers’ welfare; beneficiary-oriented activities have category-linked public funding shares.", "benefit_text": "From PMMSY Operational Guidelines / official FAQ:\n\n• Wide menu of beneficiary-oriented activities (culture fisheries, hatcheries, cages, post-harvest, marketing, livelihood support, etc. — activity-wise unit costs in guidelines annexures).\n• For beneficiary-oriented individual/group activities under CSS, government assistance (Centre + State together) is limited to 40% of project/unit cost for General category and 60% for SC/ST/Women, with the remaining as beneficiary contribution (guidelines funding pattern).\n• Sharing between Centre and State follows patterns stated for different State groups (e.g. higher Central share for NE and Himalayan States / UTs as detailed in guidelines).\n• UTs: FAQ notes 100% Central share for Union Territories in the summarised funding table.\n\nExact admissible subsidy depends on the specific activity code approved by the District/State fisheries process — always read the activity schedule for your proposal.", "eligibility_text": "Intended beneficiaries listed in guidelines / official FAQ include:\n• Fishers; fish farmers; fish workers and fish vendors\n• Fisheries Development Corporations; SHGs/JLGs; fisheries cooperatives and federations\n• Entrepreneurs; private firms; FFPOs/Companies\n• SCs/STs/Women/Differently abled persons\n\nBeneficiaries must obtain statutory clearances where required and submit DPR / Self Contained Proposal through the District Fisheries Office / State process. Activity-specific technical eligibility applies.", "how_to_apply": "1. Review activities and unit costs on https://pmmsy.dof.gov.in/ and NFDB guideline repository.\n2. Prepare DPR / Self Contained Proposal for the chosen activity.\n3. Submit to the District Fisheries Office / State fisheries department as directed.\n4. After appraisal/approval, arrange beneficiary contribution / bank linkage and implement as per sanction.\n\nHelpline referenced in official FAQ: 1800-425-1660.", "about_text": "PMMSY was approved to bring about a Blue Revolution through sustainable and responsible development of the fisheries sector. Operational Guidelines (June 2020) describe an umbrella scheme with Central Sector (CS) and Centrally Sponsored Scheme (CSS) components, including beneficiary-oriented and non-beneficiary-oriented activities.\n\nApproved investment size in guidelines/PIB: ₹20,050 crore (Central ₹9,407 crore + State ₹4,880 crore + Beneficiaries ₹5,763 crore).\n\nOriginal guidelines period: FY 2020-21 to FY 2024-25. PIB notes the scheme has been extended up to FY 2025-26 with existing design/funding pattern (Department of Expenditure concurrence). Portal: https://pmmsy.dof.gov.in/", "apply_url": "https://pmmsy.dof.gov.in/", "official_pdf_url": "https://nfdb.gov.in/PDF/PMMSY-Guidelines24-June2020.pdf", "source_urls": [ "https://pmmsy.dof.gov.in/", "https://nfdb.gov.in/PDF/PMMSY-Guidelines24-June2020.pdf", "https://pmmsy.dof.gov.in/assets/documents/farmers-corner/FAQ%20for%20Farmers.pdf", "https://pib.gov.in/PressReleasePage.aspx?PRID=2150100", "https://www.pib.gov.in/PressNoteDetails.aspx?ModuleId=3&NoteId=155173" ], "faqs": [ { "q": "What public subsidy share do individuals get?", "a": "Guidelines limit Centre+State assistance for beneficiary-oriented activities to 40% of unit cost for General category and 60% for SC/ST/Women, with the balance as beneficiary contribution (activity-specific schedules apply)." }, { "q": "Till when is PMMSY running?", "a": "Guidelines originally covered FY 2020-21 to 2024-25; PIB states extension up to FY 2025-26 on existing design/funding pattern. Confirm current intake with your State Fisheries Department." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMMVY", "name": "Pradhan Mantri Matru Vandana Yojana (PMMVY)", "ministry": "Ministry of Women and Child Development", "category": "social", "benefit_type": "subsidy", "summary": "Centrally sponsored maternity benefit: ₹5,000 DBT for the first child (two instalments) and ₹6,000 for a second child if a girl (one instalment), for eligible socially/economically disadvantaged pregnant and lactating women.", "benefit_text": "From official WCD PMMVY FAQ / brief:\n\n• First living child: ₹5,000 in two instalments — ₹3,000 after Ante-Natal Check-up (ANC), and ₹2,000 after childbirth and completion of universal immunization within 14 weeks.\n• Second child if a girl: ₹6,000 in a single instalment after childbirth and completion of universal immunization within 14 weeks (registration during pregnancy is required for the second-child benefit as stated on State/WCD materials aligned with Mission Shakti).\n• Paid by DBT into the beneficiary’s bank/post-office account.\n• Beneficiary may separately be eligible for Janani Suraksha Yojana (MoHFW) after institutional delivery.\n• In case of miscarriage/still birth, the woman is treated as a fresh beneficiary for any future pregnancy (WCD FAQ).\n• Husband’s Aadhaar is not mandatory under PMMVY 2.0 features listed by WCD.", "eligibility_text": "WCD: scheme aims to cover women belonging to socially, economically disadvantaged and marginalised sections. Any one of the listed criteria is required, including:\n• SC / ST women\n• Women who are partially (40%) or fully disabled (Divyang Jan)\n• BPL ration-card holders\n• PMJAY (Ayushman Bharat) beneficiaries\n• e-Shram card holders\n• Women farmers who are PM-KISAN beneficiaries\n• Women holding MGNREGA Job Card (as worded on the current WCD FAQ)\n• Net family income less than ₹8 lakh per annum\n• Pregnant and lactating AWWs / AWHs / ASHAs\n• Women holding ration card under NFSA, 2013\n• Any other category prescribed by the Central Government\n\nAge (WCD FAQ): beneficiary age should be between 18 years 7 months and less than 55 years at the time of childbirth.\nRegistration window: WCD FAQ states a beneficiary may register till 270 days from childbirth; second-girl-child benefits apply for births on or after 01.04.2022 as stated.\n\nConfirm exclusions (e.g. regular government/PSU employees where States publish them) on the portal / Anganwadi before applying.", "how_to_apply": "1. Register pregnancy / claim at Anganwadi Centre or approved health facility identified by the State/UT, or use https://pmmvy.wcd.gov.in/ / UMANG as enabled.\n2. Complete ANC and immunization milestones required for each instalment.\n3. Ensure Aadhaar-seeded bank/post-office account and upload eligibility proof as listed on the portal.\n4. Track instalment status with AWW/ASHA or on the PMMVY portal.\n\nWCD: https://wcd.gov.in/women/pradhan-mantri-matru-vandana-yojna", "about_text": "PMMVY was launched pan-India with effect from 01.01.2017 under Section 4 of the National Food Security Act, 2013. It is implemented as a Centrally Sponsored Maternity Benefits Scheme under Mission Shakti (Samarthya). From 01.04.2022, benefit for a second living child is available if the second child is a girl.\n\nOfficial WCD page: https://wcd.gov.in/women/pradhan-mantri-matru-vandana-yojna\nPortal: https://pmmvy.wcd.gov.in/", "apply_url": "https://pmmvy.wcd.gov.in/", "official_pdf_url": null, "source_urls": [ "https://wcd.gov.in/women/pradhan-mantri-matru-vandana-yojna", "https://pmmvy.wcd.gov.in/", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/aug/doc2025825619601.pdf" ], "faqs": [ { "q": "How much is paid for the first child?", "a": "Official WCD FAQ: ₹5,000 in two instalments (₹3,000 after ANC; ₹2,000 after birth and 14-week immunization)." }, { "q": "Is the second child covered?", "a": "Yes, if the second living child is a girl: WCD states ₹6,000 in one instalment after birth and 14-week immunization (from 01.04.2022 framework)." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMSBY", "name": "Pradhan Mantri Suraksha Bima Yojana (PMSBY)", "ministry": "Department of Financial Services, Ministry of Finance", "category": "social", "benefit_type": "other", "summary": "One-year renewable personal accident insurance for eligible account holders aged 18–70, with ₹2 lakh for accidental death / total disability and ₹1 lakh for specified partial disability, at ₹20 annual premium.", "benefit_text": "From official DFS PMSBY pages (Table of Benefits):\n\n• Accidental death: ₹2 lakh.\n• Total and irrecoverable loss of both eyes, or loss of use of both hands or feet, or loss of sight of one eye and loss of use of hand or foot: ₹2 lakh.\n• Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot: ₹1 lakh.\n• Annual premium: ₹20 per member (or revised amount as intimated).\n• Risk cover period: 1 June to 31 May.\n\nDFS FAQs state no benefit is payable for partial disability that does not meet the irrecoverable loss definitions above.", "eligibility_text": "From official DFS materials:\n\n• People in the age group 18 to 70 years having a bank / Post Office account.\n• Consent to join and enable auto-debit.\n• In a joint account, all holders may join if each meets eligibility and pays ₹20 per person per annum through auto-debit.\n\nEnrolment form / auto-debit authorisation / consent-cum-declaration is retained by the participating bank / Post Office.", "how_to_apply": "1. Enrol via your bank branch / Post Office / net-banking / official digital enrolment linked to your account.\n2. Submit PMSBY form with auto-debit mandate and nominee details.\n3. Keep balance for ₹20 premium auto-debit.\n4. For claims, follow bank + insurer process; disability claim is credited to the insured’s account and death claim to nominee/legal heirs as stated by DFS.\n\nUse https://jansuraksha.gov.in/ for official scheme information.", "about_text": "PMSBY is a Government of India personal accident insurance scheme, renewable yearly, offered through Public Sector General Insurance Companies and other general insurers partnering with participating banks / Post Offices.\n\nOfficial DFS pages publish eligibility, premium, cover table and auto-debit enrolment process. Citizen hub: https://jansuraksha.gov.in/", "apply_url": "https://financialservices.gov.in/pradhan-mantri-suraksha-bima-yojana-pmsby", "official_pdf_url": null, "source_urls": [ "https://financialservices.gov.in/pradhan-mantri-suraksha-bima-yojana-pmsby", "https://financialservices.gov.in/pmsby", "https://financialservices.gov.in/beta/en/faqs/pradhan-mantri-suraksha-bima-yojanapmsby", "https://jansuraksha.gov.in/" ], "faqs": [ { "q": "What does PMSBY pay on accidental death?", "a": "DFS Table of Benefits lists ₹2 lakh for death due to accident." }, { "q": "Is every partial disability covered?", "a": "No. DFS FAQ states no benefit is payable if partial disability does not involve irrecoverable loss of sight of one eye or loss of use of one hand or foot as defined." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PMUY", "name": "Pradhan Mantri Ujjwala Yojana (PMUY / Ujjwala 2.0)", "ministry": "Ministry of Petroleum and Natural Gas", "category": "social", "benefit_type": "other", "summary": "Deposit-free LPG connection scheme for adult women of poor households with no existing household LPG connection, implemented through Oil Marketing Companies.", "benefit_text": "From official pmuy.gov.in / MoPNG Ujjwala 2.0 materials:\n\n• Deposit-free LPG connection released in the name of an eligible adult woman.\n• Under Ujjwala 2.0: free of cost first refill and stove (as stated by MoPNG).\n• MoPNG notes budgetary / connection support figures associated with Ujjwala 2.0 expansions (including later expansion sanctioning additional deposit-free connections under existing Ujjwala 2.0 guidelines) — confirm current connection support amount with the OMC distributor at the time of release.\n• Ongoing cylinder subsidy, if any, follows DBTL / applicable LPG subsidy rules into the beneficiary bank account.\n\nConnection is subject to OMC KYC and “no existing household LPG connection” checks.", "eligibility_text": "From official pmuy.gov.in (Ujjwala 2.0 apply page / FAQ):\n\n1. Applicant must be a woman who has attained 18 years of age.\n2. Adult woman must belong to a poor household based on submission of a deprivation declaration (prescribed format).\n3. There should be no other LPG connection from any Oil Marketing Company within the same household.\n\nParliamentary / MoPNG answers also describe SECC and category-based historical pathways and a declaration route for poor households; for current enrolments, follow the live pmuy.gov.in checklist and deprivation declaration.\n\nPNG connection holders cannot take a subsidised PMUY connection as clarified in official FAQ materials.", "how_to_apply": "1. Apply online at https://pmuy.gov.in/ or submit application at any LPG distributor of choice / CSC as enabled.\n2. Submit deprivation declaration, KYC, bank details and family composition / address proofs (self-declaration Annexure for migrants as allowed under Ujjwala 2.0).\n3. Complete e-KYC / Aadhaar authentication as required by the OMC.\n4. Collect connection / stove / first refill as per distributor release process.\n\nDo not pay middlemen for “Ujjwala approval”.", "about_text": "Pradhan Mantri Ujjwala Yojana (PMUY) provides deposit-free LPG connections to adult women from poor households. Ujjwala 2.0 was launched on 10 August 2021.\n\nOfficial MoPNG materials state Ujjwala 2.0 added facilities such as online application on pmuy.gov.in, self-declaration for migrants for family composition and address proof, free first refill and stove, and e-KYC using Aadhaar authentication.\n\nApply via https://pmuy.gov.in/ or an LPG distributor / CSC as enabled.", "apply_url": "https://pmuy.gov.in/", "official_pdf_url": null, "source_urls": [ "https://pmuy.gov.in/ujjwala2.html", "https://pmuy.gov.in/faq.html", "https://mopng.gov.in/en/page/46" ], "faqs": [ { "q": "Who can apply under Ujjwala 2.0?", "a": "Official pmuy.gov.in states an adult woman (18+) from a poor household (deprivation declaration), with no other OMC LPG connection in the same household." }, { "q": "Are first refill and stove free under Ujjwala 2.0?", "a": "MoPNG Ujjwala 2.0 materials state first refill and stove are provided free of cost." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "POMIS", "name": "National Savings (Monthly Income Account) Scheme (POMIS / MIS)", "ministry": "Ministry of Finance (National Savings; Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Government small-savings account with a single deposit (min ₹1,000), 5-year maturity, monthly interest payout, and deposit ceilings of ₹9 lakh (single) / ₹15 lakh (joint).", "benefit_text": "From NSI scheme summary / Scheme, 2019 (as amended):\n\n• Account matures in 5 years.\n• Opened with a minimum deposit of ₹1,000 or multiples of ₹1,000; only one deposit in an account.\n• Maximum deposit: ₹9 lakh in a single account and ₹15 lakh in a joint account (ceilings as amended in 2023 and stated on the current NSI MIS page).\n• A depositor may operate more than one account subject to the overall maximum investment ceiling.\n• Interest is payable monthly (rate notified by the Government from time to time — confirm the live NSI interest-rate table before investing).\n• Premature closure (NSI summary): after one year but before three years — deduction of 2% of the deposit; after expiry of three years — deduction of 1% of the deposit.\n\nTax treatment depends on current Income-tax law — confirm for your case.", "eligibility_text": "From Scheme, 2019 / NSI:\n• An individual may open one or more single or joint accounts subject to the maximum deposit ceiling.\n• Guardian may open an account on behalf of a minor or a person of unsound mind (NSI summary).\n\nOpen at Post Offices and authorised banks with KYC.", "how_to_apply": "1. Visit a Post Office or authorised bank with KYC.\n2. Open a Monthly Income Account with a single deposit (≥ ₹1,000, multiples of ₹1,000) within the ceiling.\n3. Opt for monthly interest credit to a linked savings account if offered.\n4. Confirm the current notified interest rate on NSI before depositing.\n\nNSI: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57\nInterest rates: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132", "about_text": "Governed by the National Savings (Monthly Income Account) Scheme, 2019 (G.S.R. 917(E), as amended — including G.S.R. 239(E)/2023 raising deposit ceilings). Operated through Post Offices and authorised banks under the National Savings framework.\n\nOfficial NSI summary: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57", "apply_url": "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57", "official_pdf_url": null, "source_urls": [ "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=57", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=166", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132" ], "faqs": [ { "q": "What are the deposit limits?", "a": "Current NSI MIS page: minimum ₹1,000 (multiples thereof); maximum ₹9 lakh in a single account and ₹15 lakh in a joint account." }, { "q": "When is interest paid?", "a": "Scheme rules provide for monthly interest payable on completion of a month from the date of deposit; confirm the live rate on the NSI interest-rate page." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "POTD", "name": "National Savings Time Deposit Account Scheme (POTD / TD)", "ministry": "Ministry of Finance (National Savings; Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Government small-savings time deposits for 1, 2, 3 or 5 years; minimum ₹1,000 (multiples of ₹100), no maximum limit; interest compounded quarterly and paid annually.", "benefit_text": "From NSI Time Deposit summary / Scheme, 2019:\n\n• Four tenures: 1-year, 2-year, 3-year and 5-year Time Deposit accounts.\n• Minimum deposit ₹1,000 and thereafter in multiples of ₹100; no maximum deposit limit; only one deposit in an account.\n• Interest compounded quarterly and payable annually; rate applicable on the date of opening applies till maturity (confirm live rates on the NSI interest-rate table).\n• Premature closure: account may be closed after six months; if withdrawn after six months but before one year, simple interest at the Post Office Savings Account (POSA) rate is payable (NSI summary). Further premature-closure formulas for longer tenures are set in the Scheme rules — confirm at the counter / rules PDF before breaking a deposit.\n• NSI states deposits in the 5-year Time Deposit qualify for deduction under Section 80-C of the Income-tax Act (confirm current tax law for your case).", "eligibility_text": "Individuals may open accounts under the Scheme; a guardian may open an account on behalf of a minor or a person of unsound mind (NSI).\n\nOpen at Post Offices and authorised banks with KYC.", "how_to_apply": "1. Visit Post Office or authorised bank with KYC.\n2. Choose 1 / 2 / 3 / 5 year tenure and deposit ≥ ₹1,000 (multiples of ₹100).\n3. Note the interest rate applicable on the opening date.\n4. For premature closure, request as per Scheme rules after the minimum lock-in.\n\nNSI: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58\nInterest rates: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132", "about_text": "Governed by the National Savings Time Deposit Scheme, 2019 (G.S.R. 922(E), as amended). Accounts at Post Offices and authorised banks.\n\nOfficial NSI summary: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58", "apply_url": "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58", "official_pdf_url": null, "source_urls": [ "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=58", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=164", "https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132" ], "faqs": [ { "q": "What is the minimum deposit?", "a": "Official NSI: ₹1,000 and thereafter in multiples of ₹100; no maximum limit." }, { "q": "Which tenures exist?", "a": "NSI lists four categories: 1-year, 2-year, 3-year and 5-year Time Deposit accounts." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "PPF", "name": "Public Provident Fund (PPF)", "ministry": "Ministry of Finance (National Savings; operated via Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Long-term small-savings scheme with annual deposit limits of ₹500–₹1.5 lakh, 15-year maturity (extendable in 5-year blocks), loan/partial withdrawal facilities, and interest as notified by Government.", "benefit_text": "From Public Provident Fund Scheme, 2019 rules:\n\n• Annual deposit not less than ₹500 and not more than ₹1.5 lakh, in multiples of ₹50 (lump sum or instalments).\n• The ₹1.5 lakh annual ceiling for an individual includes deposits in own account and any account opened on behalf of a minor.\n• Maturity: after expiry of 15 years from the end of the year in which the account was opened; balance may be withdrawn or account continued without deposits, or extended with deposits for further 5-year blocks (as per rules).\n• Loan facility after prescribed waiting period (rules: after 1 year from end of initial subscription year and before 5 years), capped at 25% of balance at the end of the second preceding year as specified.\n• Partial withdrawal after 5 years from end of opening year, subject to the 50% formula in the rules, once a year from non-discontinued accounts.\n• Interest at rates notified by the Government from time to time — confirm the live rate before depositing.\n\nTax treatment (e.g. Section 80-C / EEE features commonly associated with PPF) depends on current Income-tax law — confirm for your case.", "eligibility_text": "An individual may open a PPF account under the Scheme rules (including accounts opened by a guardian on behalf of a minor / person of unsound mind as provided).\n\nDiscontinued accounts (failure to deposit minimum after initial year) may be revived on payment of fee and arrears as per rules; loan/withdrawal facilities are restricted in discontinued accounts until revived.\n\nOnly one PPF account is permitted in the individual’s name (subject to the discontinued-account restrictions in the rules).", "how_to_apply": "1. Visit a Post Office or authorised bank with KYC documents.\n2. Fill the PPF account opening form and make the initial deposit (≥ ₹500).\n3. Deposit at least ₹500 every year (within ₹1.5 lakh cap) to keep the account regular.\n4. Track interest notifications on NSI / Post Office / bank channels.\n\nRules PDF: http://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf", "about_text": "Public Provident Fund is governed by the Public Provident Fund Scheme, 2019 (G.S.R. 915(E) dated 12.12.2019, as amended). Accounts are opened at Post Offices and authorised banks under the National Savings framework.\n\nOfficial scheme rules PDF is published via the National Savings Institute.", "apply_url": "https://www.nsiindia.gov.in/", "official_pdf_url": "http://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf", "source_urls": [ "http://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf", "https://www.nsiindia.gov.in/" ], "faqs": [ { "q": "What is the yearly deposit limit?", "a": "PPF Scheme, 2019 allows between ₹500 and ₹1.5 lakh in a year (multiples of ₹50), inclusive of any minor account deposits by the same individual." }, { "q": "When does the account mature?", "a": "Rules allow closure any time after expiry of 15 years from the end of the year in which the account was opened, with options to continue/extend as specified." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "RVY", "name": "Rashtriya Vayoshri Yojana (RVY)", "ministry": "Department of Social Justice and Empowerment (implemented by ALIMCO)", "category": "social", "benefit_type": "other", "summary": "Central scheme providing free assisted-living devices to eligible senior citizens (BPL / monthly income ≤ ₹15,000) with age-related disabilities or infirmities, via ALIMCO assessment and distribution camps.", "benefit_text": "From the official DoSJE / Elder Care RVY page:\n\n• Free assisted-living devices such as walking sticks, elbow crutches, walkers/crutches, tripods/quadpods, hearing aids, wheelchairs, artificial dentures, spectacles, and other generic/special items as listed for the camp.\n• For senior citizens aged 80 years or more, devices are provided at their doorsteps.\n• Identification through Assessment Camps organised with State Government / District Administration; distribution in Distribution Camps.\n\nThis is device support — not a monthly cash pension (contrast with NSAP/IGNOAPS).", "eligibility_text": "Official RVY page:\n• Senior citizens belonging to the BPL category and with monthly income not more than ₹15,000.\n• Suffering from age-related disability/infirmity of the types covered (vision, hearing, teeth, loco-motor as described on the page).\n\nSelection is through assessment camps in selected districts — not an open-ended individual online grant for every applicant nationwide at once.", "how_to_apply": "1. Watch for Assessment Camp notifications in your district (State / District Administration / ALIMCO channels) or use district contacts listed on https://scw.dosje.gov.in/rashtriya-vayoshri-yojana\n2. Attend assessment with mandatory documents (Aadhaar and income certificate as marked on the portal; other ID/ration card as demanded).\n3. If identified, collect devices at the Distribution Camp (doorstep delivery if aged 80+).\n4. Keep medical certificates for hearing/vision/teeth/loco-motor need where the implementing agency requires them.\n\nDoSJE Elder Care: https://scw.dosje.gov.in/rashtriya-vayoshri-yojana", "about_text": "Rashtriya Vayoshri Yojana was launched on 01.04.2017 to provide assisted-living devices to senior citizens suffering from age-related disability/infirmity (low vision, hearing impairment, loss of teeth, loco-motor disabilities). Artificial Limbs Manufacturing Corporation (ALIMCO) is the sole implementing agency; devices are distributed in camp mode.\n\nOfficial page: https://scw.dosje.gov.in/rashtriya-vayoshri-yojana", "apply_url": "https://scw.dosje.gov.in/rashtriya-vayoshri-yojana", "official_pdf_url": null, "source_urls": [ "https://scw.dosje.gov.in/rashtriya-vayoshri-yojana", "https://pib.gov.in/Pressreleaseshare.aspx?PRID=1562683" ], "faqs": [ { "q": "Who implements RVY?", "a": "Official page: Artificial Limbs Manufacturing Corporation (ALIMCO) is the sole implementing agency; devices are given in camp mode." }, { "q": "What is the income limit?", "a": "Official RVY page: BPL senior citizens with monthly income not more than ₹15,000." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "SBM-G", "name": "Swachh Bharat Mission (Grameen) – Phase II", "ministry": "Ministry of Jal Shakti, Department of Drinking Water and Sanitation", "category": "social", "benefit_type": "subsidy", "summary": "Rural sanitation mission focused on sustaining ODF status and ODF Plus (solid/liquid waste management), including ₹12,000 IHHL incentive for newly eligible households.", "benefit_text": "From SBM(G) Phase II Operational Guidelines / official FAQ / PIB materials:\n\n• Incentive up to ₹12,000 per newly eligible household for construction of one Individual Household Latrine (IHHL), including water storage facility for handwashing/cleaning as described in guidelines. This is an incentive to motivate construction/use — not necessarily full reimbursement of toilet cost.\n• Support for Community Sanitary Complexes and village Solid & Liquid Waste Management (SLWM) assets under mission norms (funding often on per-capita / GP basis as rationalised in Phase II).\n• Centre:State sharing commonly 60:40 (90:10 for NE/Himalayan / J&K as listed; 100% Central for other UTs) for components as per Cabinet/guidelines — confirm current State SoP.\n\nOnly new eligible households receive the IHHL incentive; ineligible households are motivated to self-construct.", "eligibility_text": "For IHHL incentive (guidelines / FAQ):\n\n1. All Below Poverty Line (BPL) households; and\n2. Identified Above Poverty Line (APL) households including:\n – Scheduled Castes / Scheduled Tribes\n – Small and marginal farmers\n – Landless labourers with homestead\n – Households having a physically handicapped person\n – Women-headed households\n\nOrder of preference among eligible households is set in guidelines. Coverage of left-out / newly emerged households continues under Phase II as described in official materials.\n\nSelection/verification is through Gram Panchayat / District SBM systems — not a private agent channel.", "how_to_apply": "1. Contact Gram Panchayat / Swachhagrahi / District SBM(G) cell for IHHL eligibility listing.\n2. Construct toilet as per approved safe technology / mason guidance after approval workflow used in your State.\n3. Incentive release follows geo-tagging / verification on SBM IMIS as implemented locally.\n4. For SLWM / CSC works, follow GP Annual Implementation Plan processes.\n\nPortal: https://swachhbharatmission.ddws.gov.in/", "about_text": "SBM(G) Phase II focuses on Open Defecation Free Plus (ODF Plus): sustaining ODF and managing solid and liquid waste in villages. Official mission site currently describes Phase II spanning 2020-21 to 2025-26.\n\nOperational Guidelines for Phase II are published on swachhbharatmission.ddws.gov.in. Implementation is through States/UTs and Gram Panchayats.", "apply_url": "https://swachhbharatmission.ddws.gov.in/", "official_pdf_url": "https://swachhbharatmission.ddws.gov.in/sites/default/files/Guidelines/SBMG%20Phase-II%20Operational%20Guidelines.pdf", "source_urls": [ "https://swachhbharatmission.ddws.gov.in/", "https://swachhbharatmission.ddws.gov.in/faq", "https://swachhbharatmission.ddws.gov.in/sites/default/files/Guidelines/SBMG%20Phase-II%20Operational%20Guidelines.pdf", "https://www.pmindia.gov.in/en/news_updates/cabinet-approves-swachh-bharat-mission-grameen-phase-ii/" ], "faqs": [ { "q": "How much is the toilet incentive?", "a": "Official Phase II materials continue incentive of ₹12,000 per newly eligible household for IHHL construction." }, { "q": "Who is eligible for the IHHL incentive?", "a": "BPL households and identified APL categories (SC/ST, small/marginal farmers, landless labourers with homestead, households with physically handicapped persons, women-headed households) as listed in guidelines/FAQ." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "SCSS", "name": "Senior Citizens’ Savings Scheme (SCSS)", "ministry": "Ministry of Finance (National Savings; operated via Post Offices and authorised banks)", "category": "social", "benefit_type": "other", "summary": "Government small-savings scheme for eligible senior / retired citizens with quarterly interest, 5-year tenure (extendable), and aggregate deposit ceiling of ₹30 lakh across SCSS accounts.", "benefit_text": "From official NSI SCSS page:\n\n• Minimum deposit ₹1,000 (and multiples thereof) with maximum deposit ₹30 lakh (aggregate across accounts as stated by NSI).\n• Interest payable quarterly (from date of deposit to quarter-end dates; credited on first working day of April/July/October/January as described by NSI).\n• Account can be closed after 5 years from opening; depositor may extend for a further 3 years.\n• Premature closure permissible subject to conditions.\n• NSI notes deposits qualify for deduction under Section 80-C (confirm current tax law for your case).\n\nInterest rate is notified by the Government from time to time — confirm the live rate on NSI / India Post / your bank before depositing (recent official materials have cited 8.2% for notified periods).", "eligibility_text": "From official NSI SCSS introduction:\n\n• Individual who has attained 60 years or above on the date of opening; OR\n• Individual aged 55 years or more but less than 60 who has retired under Superannuation, VRS or Special VRS (subject to scheme conditions, including timelines linked to retirement benefits as applied by Post Office/bank rules); OR\n• Retired Defence Services personnel (excluding Civilian Defence employees) may open on attaining 50 years subject to specified conditions.\n\nAccount may be opened individually or jointly with spouse. Multiple accounts allowed within the aggregate ceiling.", "how_to_apply": "1. Visit a Post Office or authorised bank with age/retirement proofs and KYC (Aadhaar/PAN as mandated under savings rules).\n2. Fill SCSS account opening form and deposit (cheque/NEFT rules may apply above cash limits at Post Offices).\n3. Provide savings account for quarterly interest credit where required.\n4. Track interest notifications on NSI / Post Office / bank channels.\n\nNSI page: https://www.nsiindia.gov.in/ (Senior Citizens’ Savings Scheme).", "about_text": "Senior Citizens’ Savings Scheme is a Government of India small-savings product operated through Post Offices and authorised banks under National Savings rules.\n\nOfficial National Savings Institute (NSI) page summarises eligibility, deposit limits, interest payment cycle, maturity and extension features.", "apply_url": "https://www.nsiindia.gov.in/", "official_pdf_url": null, "source_urls": [ "https://www.nsiindia.gov.in/(S(ao4qoq55w4kkfgv1bcb41b45))/InternalPage.aspx?Id_Pk=62", "https://www.nsiindia.gov.in/" ], "faqs": [ { "q": "What is the maximum deposit?", "a": "NSI states maximum deposit of ₹30 lakh (minimum ₹1,000 and multiples thereof)." }, { "q": "What is the tenure?", "a": "NSI states the account can be closed after 5 years and may be extended for a further 3 years." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "SISFS", "name": "Startup India Seed Fund Scheme (SISFS)", "ministry": "Department for Promotion of Industry and Internal Trade (DPIIT)", "category": "startup", "benefit_type": "grant", "summary": "DPIIT scheme providing early-stage financial assistance to DPIIT-recognised startups through selected incubators for proof of concept, prototype, trials, market entry and commercialisation.", "benefit_text": "From official SISFS Guidelines (Startup India / DPIIT):\n\nFor a selected startup (via an incubator):\n• Up to ₹20 lakh as grant for validation of Proof of Concept, prototype development, or product trials (milestone-based instalments).\n• Up to ₹50 lakh of investment for market entry, commercialisation, or scaling up through convertible debentures or debt or debt-linked instruments.\n• Seed fund must not be used for creation of facilities; only for the purpose granted.\n• A startup will not receive seed support more than once under each of the above two modes (grant and debt/debenture) as stated in guidelines.\n\nIncubators receive milestone-based grants (up to ₹5 crore as stated) only for onward disbursal to startups, plus a management fee component described in guidelines.", "eligibility_text": "Startup eligibility from official guidelines / seedfund portal:\n\n1. DPIIT-recognised startup, incorporated not more than 2 years ago at the time of application.\n2. Business idea for a product/service with market fit, viable commercialisation and scope of scaling.\n3. Using technology in core product/service, or business/distribution model, or methodology.\n4. Preference to innovative solutions in listed priority sectors (social impact, waste/water, finclusion, education, agri, food processing, biotech, healthcare, energy, mobility, defence, space, railways, oil & gas, textiles, etc.).\n5. Should not have received more than ₹10 lakh monetary support under any other Central/State Government scheme (exclusions: prize money, subsidised workspace, founder allowance, lab/prototyping access).\n6. Indian promoters’ shareholding at least 51% at application, as per Companies Act / SEBI ICDR references in guidelines.\n\nSelection is by the incubator’s process under EAC framework — not automatic.", "how_to_apply": "1. Obtain DPIIT startup recognition on startupindia.gov.in if not already recognised.\n2. Apply on https://seedfund.startupindia.gov.in/ using Startup India credentials.\n3. Select preferred incubators (portal features note startups can apply to multiple incubators as enabled).\n4. Complete legal agreement with the selected incubator before first instalment; utilise funds only against agreed milestones.\n\nGuidelines PDF: Startup India “Guidelines for Startup India Seed Fund Scheme”.", "about_text": "Startup India Seed Fund Scheme (SISFS) aims to provide financial assistance to startups for proof of concept, prototype development, product trials, market entry and commercialisation, enabling them to progress toward angel/VC funding or institutional credit.\n\nFunds are disbursed to startups through eligible incubators selected by an Experts Advisory Committee (EAC) constituted by DPIIT. Official portal: https://seedfund.startupindia.gov.in/", "apply_url": "https://seedfund.startupindia.gov.in/", "official_pdf_url": "https://www.startupindia.gov.in/content/dam/invest-india/Templates/public/Guidelines%20for%20Startup%20India%20Seed%20Fund%20Scheme.pdf", "source_urls": [ "https://seedfund.startupindia.gov.in/", "https://seedfund.startupindia.gov.in/about", "https://www.startupindia.gov.in/content/dam/invest-india/Templates/public/Guidelines%20for%20Startup%20India%20Seed%20Fund%20Scheme.pdf" ], "faqs": [ { "q": "How much grant can a startup get?", "a": "Official guidelines allow up to ₹20 lakh as grant for PoC/prototype/trials, and separately up to ₹50 lakh via convertible debentures/debt/debt-linked instruments for market entry/commercialisation/scaling." }, { "q": "Is physical incubation mandatory?", "a": "Official scheme feature messaging states no mandatory physical incubation; if a startup does not use the incubator’s physical infrastructure, the incubator must still offer other resources/services as per guidelines." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "SSY", "name": "Sukanya Samriddhi Account Scheme (SSY / SSA)", "ministry": "Ministry of Finance (National Savings / Department of Economic Affairs framework; operated via Post Offices and authorised banks)", "category": "education", "benefit_type": "other", "summary": "Small-savings scheme for a girl child allowing deposits up to ₹1.5 lakh per financial year, with interest as notified by Government, maturity at 21 years from opening, and education/marriage-related withdrawal features under scheme rules.", "benefit_text": "From official NSI scheme page / Scheme Rules / PIB explainers:\n\n• Minimum deposit ₹250; maximum ₹1.5 lakh in a financial year (multiples of ₹50; at least ₹250 per financial year).\n• Deposits may be made for up to 15 years from the date of opening.\n• Account matures on completion of 21 years from the date of opening.\n• Interest at rates notified by the Government from time to time (PIB materials have cited 8.2% for a recent notified period — always confirm the live notified rate before depositing).\n• Partial withdrawal allowed for higher education expenses as per rules; premature closure permitted for marriage after the girl attains 18 years, as stated by NSI.\n• NSI notes deposit qualifies for deduction under Section 80-C and interest is free from income tax under Section 10 (tax law applicability depends on current Income-tax Act provisions — confirm with a tax professional for your case).", "eligibility_text": "From official NSI / PIB scheme explainers:\n\n• Account can be opened in the name of a girl child till she attains the age of 10 years.\n• Only one account per girl child.\n• Guardian opens the account; girl child should be a resident Indian for the account period as described in official explainers.\n• Parents can open a maximum of two accounts (exception for twins/triplets as stated in official explainers).\n\nExcess deposit above ₹1.5 lakh in a financial year does not earn interest and is returned.", "how_to_apply": "1. Visit a Post Office or authorised bank with the girl child’s birth certificate and guardian KYC.\n2. Fill the Sukanya Samriddhi Account opening form and make the initial deposit (≥ ₹250).\n3. Deposit at least the yearly minimum and stay within the ₹1.5 lakh annual cap.\n4. Track interest notifications on NSI / India Post / bank channels.\n\nScheme rules PDF: NSI Sukanya Samriddhi Account Scheme Rule.", "about_text": "Sukanya Samriddhi Account is a Government of India small-savings scheme for the girl child, governed by the Sukanya Samriddhi Account Scheme rules (2019, as amended).\n\nAccounts can be opened at Post Offices and authorised banks. National Savings Institute publishes scheme features and interest-rate links: nsiindia.gov.in.", "apply_url": "https://www.nsiindia.gov.in/", "official_pdf_url": "http://www.nsiindia.gov.in/writereaddata/SchemeRules/SukanyaSamriddhiAccountSchemeRule.pdf", "source_urls": [ "https://www.nsiindia.gov.in/(S(euy2ka55sv1pvu45wdbtcr55))/InternalPage.aspx?Id_Pk=89", "http://www.nsiindia.gov.in/writereaddata/SchemeRules/SukanyaSamriddhiAccountSchemeRule.pdf", "https://www.pib.gov.in/PressReleasePage.aspx?PRID=2216748", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2025/jan/doc2025121487401.pdf" ], "faqs": [ { "q": "What is the annual deposit limit?", "a": "Official rules/NSI state maximum ₹1.5 lakh in a financial year, with minimum ₹250." }, { "q": "Till what age can the account be opened?", "a": "Official NSI materials state the account can be opened till the girl child attains 10 years of age." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "SVAMITVA", "name": "SVAMITVA (Survey of Villages Abadi and Mapping with Improvised Technology in Village Areas)", "ministry": "Ministry of Panchayati Raj", "category": "social", "benefit_type": "other", "summary": "Central Sector Scheme using drone survey to map rural abadi (inhabited) areas and issue legal Property Cards / title deeds (Record of Rights) to village household owners.", "benefit_text": "From official MoPR / PIB / NIC SVAMITVA materials:\n\n• Record of Rights for rural abadi property owners in the form of a Property Card / title deed.\n• High-resolution abadi maps to support Gram Panchayat planning, clearer property boundaries, and reduced property disputes.\n• Property cards intended to help owners use residential property as a financial asset (e.g. for bank loans) where State law and banks accept the card.\n• Cards may be available on DigiLocker where State integration is enabled (PIB factsheet).\n\nThis is not a cash subsidy or housing construction grant like PMAY.", "eligibility_text": "Household owners of residential properties in rural inhabited (abadi) areas of villages covered by the State’s SVAMITVA implementation plan.\n\nCoverage is rolled out village-by-village through drone survey and State revenue processes — individuals cannot typically “apply online for a card” ahead of survey/notification in their village. Confirm village status on the SVAMITVA dashboard / Gram Panchayat / tehsil.", "how_to_apply": "1. Check whether your village is covered / surveyed on https://svamitva.nic.in/ or via Gram Panchayat / revenue office.\n2. Participate in local survey / inquiry / objection processes as notified by the State Revenue Department after drone mapping.\n3. Collect the Property Card / title deed when issued; store digitally on DigiLocker if offered.\n4. For corrections or disputes, follow the State revenue grievance / mutation process.\n\nMoPR page: https://panchayat.gov.in/en/svamitva/", "about_text": "SVAMITVA is a Central Sector Scheme of the Ministry of Panchayati Raj. After a pilot (2020–21), it was launched nationwide on National Panchayati Raj Day, 24 April 2021. It establishes clear ownership of property in rural inhabited (“Abadi”) areas by mapping parcels with drone technology and issuing legal ownership cards (Property Cards / title deeds), implemented with State Revenue & Panchayati Raj departments and Survey of India.\n\nPortal: https://svamitva.nic.in/", "apply_url": "https://svamitva.nic.in/", "official_pdf_url": null, "source_urls": [ "https://svamitva.nic.in/", "https://panchayat.gov.in/en/svamitva/", "https://www.nic.gov.in/project/svamitva/", "https://www.pib.gov.in/FactsheetDetails.aspx?Id=148554" ], "faqs": [ { "q": "What do I receive under SVAMITVA?", "a": "Official materials: a legal Record of Rights for rural abadi property in the form of a Property Card / title deed after drone-based mapping and State processes." }, { "q": "Is it a cash scheme?", "a": "No. SVAMITVA issues ownership documentation / maps; it is not a direct cash transfer or house-construction subsidy." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "Soil Health Card", "name": "Soil Health Card Scheme", "ministry": "Ministry of Agriculture & Farmers’ Welfare (Department of Agriculture & Farmers Welfare)", "category": "agriculture", "benefit_type": "other", "summary": "Scheme issuing Soil Health Cards to farmers with soil nutrient status and fertiliser / amendment advice, implemented via States on the soilhealth.dac.gov.in portal.", "benefit_text": "From official NIC / ministry materials on the SHC programme:\n\n• Soil Health Card showing status against key soil parameters (commonly described as 12 parameters in programme literature) and fertiliser / bio-fertiliser / organic / amendment recommendations.\n• Cards generated in a standardised format across States, including local languages as enabled on the portal.\n• Sampling historically described on a grid basis (e.g. 10 ha rainfed / 2.5 ha irrigated in programme descriptions) through State agricultural machinery / mobile testing labs.\n\nThis is an advisory service for balanced fertiliser use — not a cash subsidy by itself.", "eligibility_text": "Farmers whose fields are covered in State soil-sampling cycles / who request sampling through Village Level Agencies, CSCs, or State agriculture department channels as enabled.\n\nAvailability depends on State laboratory capacity and sampling schedule. Check status on the Soil Health Card portal using sample / farmer references provided by local officials.", "how_to_apply": "1. Contact Village Level Agriculture Worker / Soil Testing Lab / CSC / State agriculture office for soil sample collection.\n2. Ensure sample is registered on https://soilhealth.dac.gov.in/ (unique sample ID).\n3. After lab testing, download / collect the Soil Health Card and follow nutrient recommendations.\n4. Track sample status on the portal.\n\nDo not pay unofficial agents for “priority SHC”.", "about_text": "Soil Health Card (SHC) is a flagship programme of DA&FW. An SHC provides the nutrient status of a farmer’s holding and advises on fertiliser dosage and soil amendments.\n\nOfficial portal: https://soilhealth.dac.gov.in/ (workflow for sample registration, testing and card generation). Guidelines for implementation under Soil Health & Fertility of RKVY from 2023-24 are listed on the portal.", "apply_url": "https://soilhealth.dac.gov.in/", "official_pdf_url": null, "source_urls": [ "https://soilhealth.dac.gov.in/", "https://www.nic.gov.in/project/soil-health-card-portal/", "https://informatics.nic.in/uploads/pdfs/1a479603_soilhealthcard.pdf" ], "faqs": [ { "q": "What does a Soil Health Card give me?", "a": "Official programme materials state an SHC provides soil nutrient status of the holding and advises fertiliser dosage and needed soil amendments." }, { "q": "Where can I track my card?", "a": "Sample registration and card generation are handled on https://soilhealth.dac.gov.in/." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "Stand-Up India", "name": "Stand Up India Scheme (SUPI)", "ministry": "Department of Financial Services, Ministry of Finance", "category": "business", "benefit_type": "loan", "summary": "Bank loans between ₹10 lakh and ₹1 crore for SC/ST and women entrepreneurs setting up greenfield enterprises, via Scheduled Commercial Bank branches and standupmitra.in / jansamarth.in.", "benefit_text": "As stated by DFS:\n\n• Composite loan between ₹10 lakh and ₹1 crore through Scheduled Commercial Banks for entrepreneurs above 18 years of age.\n• For setting up greenfield projects in manufacturing, services or trading sector and activities allied to agriculture.\n• Repayment of the loan in a span of up to seven years including a moratorium period of 18 months.\n• Margin money up to 15% which can be provided in convergence with eligible central/state schemes; in any case the borrower must bring in minimum 10% of the project cost as own contribution.\n\nInterest rate and other bank conditions follow the lending bank’s norms.", "eligibility_text": "From DFS Stand Up India page / official scheme materials:\n\n• SC or ST borrower, or woman borrower.\n• Above 18 years of age.\n• Greenfield enterprise in manufacturing, services or trading (and activities allied to agriculture as stated).\n• Composite loan in the ₹10 lakh–₹1 crore band through Scheduled Commercial Banks.\n• Borrower contribution: minimum 10% of project cost; margin money support up to 15% may be available through convergence with eligible schemes.\n\nBank credit decision is final. Scheme tenure noted by DFS as aligned with the 15th Finance Commission period (see DFS page for current status / successor announcements).", "how_to_apply": "DFS lists access through:\n1. Directly at the Scheduled Commercial Bank branch.\n2. Stand-Up India Portal — www.standupmitra.in\n3. Lead District Manager (LDM).\n4. Also via www.jansamarth.in as stated on the DFS page.\n\nThe portal connects applicants to handholding agencies for training, mentoring and application support.", "about_text": "Stand Up India Scheme was launched on 5 April 2016 to promote entrepreneurship among Scheduled Castes / Scheduled Tribes and women.\n\nDFS (Ministry of Finance) publishes the scheme features and progress. The Stand-Up Mitra portal (www.standupmitra.in), developed with SIDBI, provides guidance, handholding linkages and loan application facilitation. Loans may also be applied via www.jansamarth.in as stated by DFS.", "apply_url": "https://www.standupmitra.in/", "official_pdf_url": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2022/apr/doc20224535701.pdf", "source_urls": [ "https://financialservices.gov.in/stand-india-scheme-supi", "https://www.standupmitra.in/", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2022/apr/doc20224535701.pdf" ], "faqs": [ { "q": "What is the loan size?", "a": "DFS states composite loan between ₹10 lakh and ₹1 crore through Scheduled Commercial Banks." }, { "q": "Is it only for manufacturing?", "a": "DFS includes greenfield projects in manufacturing, services or trading sector and activities allied to agriculture." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "VB-G RAM G", "name": "Viksit Bharat – Guarantee for Rozgar and Ajeevika Mission (Gramin) (VB-G RAM G)", "ministry": "Ministry of Rural Development", "category": "social", "benefit_type": "other", "summary": "Statutory rural employment guarantee (in force from 01.07.2026) of 125 days of unskilled wage employment per rural household per financial year, replacing MGNREGA, 2005.", "benefit_text": "From PIB / MoRD materials on the VB-G RAM G Act, 2025:\n\n• Statutory guarantee of 125 days of wage employment in each financial year to every eligible rural household whose adult members volunteer to undertake unskilled manual work.\n• Employment to be provided within 15 days of application; failing which unemployment allowance applies as provided in the Act (PIB FAQ: not less than one-fourth of the notified wage rate for the first thirty days of the financial year and not less than one-half thereafter).\n• Wages paid weekly or, in any case, within fifteen days of muster-roll closure, into bank/post-office accounts via DBT; delay compensation provisions apply as stated in the Act / PIB note.\n• States may notify an aggregated pause of up to 60 days in a financial year for peak agricultural seasons; the 125-day guarantee is to be met in the remaining period.\n• Existing e-KYC-verified MGNREGA Job Cards remain valid until Gramin Rozgar Guarantee Cards are issued; ongoing works may continue under the new Act.\n• Until new wage rates are notified under the Act, existing Mahatma Gandhi NREGA wage rates continue (PIB FAQ).\n\nConfirm live wage notification and demand process on vbgramg.dord.gov.in / Gram Panchayat.", "eligibility_text": "Every rural household whose adult members volunteer to undertake unskilled manual work (PIB FAQ / Act framing).\n\nRegistration / card issuance is through the Gram Panchayat (and digital channels as enabled). Workers without cards may apply at Gram Panchayat level. Employment is not to be denied merely for pending e-KYC, with facilitation mechanisms described in official transition materials.\n\nThis is a rural statutory employment programme — not an urban wage scheme.", "how_to_apply": "1. Demand work orally, in writing (Form framework as notified), or through digital platforms enabled by the State / portal.\n2. Use existing Job Card if still valid, or apply at the Gram Panchayat for registration / Gramin Rozgar Guarantee Card.\n3. Track attendance, muster rolls and wage credit via the official portal / UMANG services as enabled locally.\n4. For unemployment allowance or wage-delay claims, follow the grievance channels of the Gram Panchayat / Programme Officer as published.\n\nPortal: https://vbgramg.dord.gov.in/\nPIB FAQ PDF: https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867701.pdf", "about_text": "The Viksit Bharat—Guarantee for Rozgar and Ajeevika Mission (Gramin): VB—G RAM G Act, 2025 (36 of 2025) was brought into force in all States and Union Territories from 01.07.2026 (S.O. 2382(E), 11 May 2026). From the same date, the Mahatma Gandhi National Rural Employment Guarantee Act, 2005 stands repealed.\n\nOfficial PIB operationalisation note and FAQ (May 2026) describe the Act as enhancing the employment guarantee from 100 to 125 days and structuring works around water security, core rural infrastructure, livelihood-related infrastructure, and mitigation of extreme weather events.\n\nPortal: https://vbgramg.dord.gov.in/", "apply_url": "https://vbgramg.dord.gov.in/", "official_pdf_url": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867701.pdf", "source_urls": [ "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867601.pdf", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511867701.pdf", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/may/doc2026511868001.pdf", "https://vbgramg.dord.gov.in/" ], "faqs": [ { "q": "Did this replace MGNREGA?", "a": "Yes. Official commencement notification / PIB materials state MGNREGA, 2005 stands repealed with effect from 01.07.2026 when VB-G RAM G came into force nationwide." }, { "q": "How many days are guaranteed?", "a": "Official PIB FAQ states a statutory guarantee of 125 days of wage employment per financial year for every eligible rural household." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "e-NAM", "name": "National Agriculture Market (e-NAM)", "ministry": "Department of Agriculture & Farmers Welfare (implemented with SFAC)", "category": "agriculture", "benefit_type": "other", "summary": "Pan-India electronic trading platform integrating APMC mandis for transparent online bidding, assaying and e-payment of notified agricultural commodities.", "benefit_text": "From official e-NAM stakeholder pages:\n\n• Farmers/FPOs: access to wider buyer pool via online bidding at onboarded mandis; transparent price discovery; e-payment options (RTGS/NEFT/cards/BHIM as enabled).\n• Traders: access to arrivals, quality/assay information and sellers across linked mandis; mobile-app trading; no fee for registration on e-NAM (enam.gov.in traders page).\n• Assaying support for notified commodities on DMI parameters where labs are available (count of assay-enabled commodities changes — check live portal).\n• Unified / single-point levy concepts as adopted by participating States.\n\ne-NAM is a market platform — not a minimum-support-price cash scheme or loan product.", "eligibility_text": "Stakeholders who can register (enam.gov.in registration guidelines / stakeholder pages): Farmers, Traders, Commission Agents, FPOs/FPCs, and APMCs in States that have onboarded mandis.\n\nTrading requires selection/approval through the chosen APMC (and trader licence / unified licence as per State APMC rules). Only commodities and mandis integrated on e-NAM are tradeable on the platform.", "how_to_apply": "1. Register on https://enam.gov.in/ (or mobile app) selecting Farmer / Trader / FPO and the desired APMC.\n2. Complete KYC; farmers typically need identity and bank details; traders need licence and KYC as listed on the traders page.\n3. Visit the mandi for verification / permanent credentials where required.\n4. Bring produce to the onboarded mandi for weighing/assaying and participate in e-auction; receive payment electronically where enabled.\n\nRegistration guidelines: https://enam.gov.in/web/resources/registration-guideline\nOperational Guidelines PDF linked from e-NAM Resources menu.", "about_text": "e-NAM is a digital marketplace that networks existing regulated markets (APMCs) to enable transparent electronic trading of agricultural commodities. Implemented under DA&FW with Small Farmers’ Agribusiness Consortium (SFAC).\n\nPortal: https://enam.gov.in/", "apply_url": "https://enam.gov.in/", "official_pdf_url": "https://enam.gov.in/web/assest/download/Revised-Operational-Guidelines-of-e-NAM.pdf", "source_urls": [ "https://enam.gov.in/", "https://enam.gov.in/web/stakeholders-Involved/traders", "https://enam.gov.in/web/resources/registration-guideline" ], "faqs": [ { "q": "Is there a registration fee?", "a": "Official e-NAM traders page states there is no fee for registration on e-NAM." }, { "q": "Do I get MSP automatically on e-NAM?", "a": "No. e-NAM is an electronic market for price discovery and trade; MSP operations are separate government procurement mechanisms." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" }, { "short_name": "e-Shram", "name": "e-Shram (National Database of Unorganised Workers)", "ministry": "Ministry of Labour and Employment", "category": "social", "benefit_type": "other", "summary": "Aadhaar-seeded national database/portal for unorganised workers providing a Universal Account Number (UAN) to facilitate delivery of social security and welfare benefits.", "benefit_text": "From official e-Shram FAQs / PIB explainer materials:\n\n• Free registration and e-Shram / UAN identity for unorganised workers.\n• Database intended to facilitate delivery of various social security benefits of Central/State Governments and assistance during emergencies/pandemics.\n• Portability of social security/welfare benefits for migrant workers is an stated objective.\n• PIB explainer (Jan 2022) states that after registering, the worker will get accidental insurance cover of ₹2 lakh under PMSBY (standard PMSBY benefit table; PMSBY itself has its own enrolment/premium rules — confirm current linkage/activation status on e-Shram / insurer/bank channels).\n\ne-Shram registration itself is free; workers should not pay any registering entity.", "eligibility_text": "From official e-Shram portal eligibility text:\n\n• Unorganised worker (home-based, self-employed or wage worker in the unorganised sector, including organised-sector workers who are not members of ESIC/EPFO / not a government employee, as defined on the portal).\n• Age 16–59 years.\n• Not a member of EPFO / ESIC or NPS (Government funded).\n• Should not be an income-tax payee (FAQ: no income criteria for registration, but should not be an income-tax payee).\n\nRequires Aadhaar, Aadhaar-linked mobile number, and savings bank account with IFSC.", "how_to_apply": "1. Register free on https://eshram.gov.in/ (self-registration) or through authorised CSC / registration centres without paying agents.\n2. Complete Aadhaar e-KYC and enter bank / occupation details.\n3. Download / receive e-Shram card with UAN.\n4. Keep profile/occupation updated as advised on the portal for continued benefits.\n\nDo not share OTP or pay for registration.", "about_text": "e-Shram is the Government of India’s National Database of Unorganised Workers (NDUW) under the Ministry of Labour & Employment. Official portal FAQs describe it as a centralised Aadhaar-seeded database to facilitate delivery of welfare/social security benefits and assistance in emergencies.\n\nPortal: https://eshram.gov.in/", "apply_url": "https://eshram.gov.in/", "official_pdf_url": "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2022/jan/doc20221185301.pdf", "source_urls": [ "https://eshram.gov.in/", "https://eshram.gov.in/faqs", "https://www.eshram.gov.in/e-shram-objectives", "https://static.pib.gov.in/WriteReadData/specificdocs/documents/2022/jan/doc20221185301.pdf" ], "faqs": [ { "q": "Is registration free?", "a": "Official FAQs state registration on e-Shram is free and workers are not required to pay any registering entity." }, { "q": "What is the age band?", "a": "Official portal eligibility states age should be between 16 and 59 years, subject to other criteria." } ], "last_verified_on": "2026-08-10T00:00:00.000000Z", "verification_status": "verified" } ]